The device contains an automatic apparatus for conducting financial transactions (options), and how it works

 

The invention relates to automated banking machines. The technical result is the connectivity automatic banking machine to a network wide coverage, which sends messages using HTML documents and messages, TCP/IP, a well as providing the user with a familiar interface. This automated banking machine includes a device issuing banknotes, computer, memory device, software, browser, while the software is designed to access your computer to the HTML document, and in response to the command document to access the command issuing one HTTP, the computer in response to the command issuing actuates a device issuing banknotes to implement the issuance of banknotes. 3 N. and 11 C.p. f-crystals, 31 ill.

The technical field to which the invention relates

The invention relates to automated banking machines. Specifically this invention relates to a device and system for automated banking machine that may be used in network coverage, which provides the user known to him and especial for the outputs of the device more working options.

The level of Technology

Automatic banking machines (ATMs) are well known. The usual type of automatic banking machine that is used by clients are ATMs (BM). BM allow customers to conduct banking transactions. Normal banking operations that can be performed using BM, include cash (sheets of banknotes), making deposits, transfer funds between accounts, pay bills and inquiries about the availability of funds in the account. The type of Bank financial transactions conducted by the customer, is determined by the capabilities of a particular banking system and programming in the institution that works with this unit. Other types of automated banking machines can provide customers with the opportunity to produce a charge on the account or to transfer funds. Other types of automated banking machines can print or issue such securities as coupons, tickets, receipts bets made, the control coupons, checks, food stamps, money orders, interim receipts or traveller's cheques. In the context of this description automatic banking machine or no financial transactions including the transfer of amounts.

Currently BM work in private communication networks. These networks link BM, working in financial institutions and other legal persons This relationship networks often allows the user to use the Bank machine, working at another institution, if the banking apparatus of the third-party institutions connected to the network, which includes the establishment of this user. But if the client is running with the apparatus of the third-party institution, it should work with the machine through the user interface created by this third-party institution for their banking machines. In addition, the customer is limited to the range of operations available to these third-party institution.

When using the apparatus of the third-party institution, the client may encounter some difficulties. Difficulties may arise for the reason that you are not familiar with the type of machine that you are working with a third-party institution. Errors can occur for the reason that you don't know what buttons or other mechanisms need to be put into action to carry out the desired operations. Order financial transactions for the client in the phone store is the user. This circumstance can be a problem when the user is in another country and not familiar with the type of Bank machine or with the interface language, set the data of the third-party institution. Similarly, documents that print printers automatic banking system, in General restricted to a limited group of formats in one language.

Third-party institution may also provide different types of operations that the user knows in his own institution. For example, a private institution, the user can transfer funds between accounts using their automated banking machines, to allow the user to include within the required time periods cash on accounts with higher percentage. If a third-party institution does not provide this capability, the user will not be able to do this when working with third-party apparatus. Failure of the user working with third-party apparatus, to carry out those operations to which he was accustomed, can cause problems.

Network working with BM and other types of automated banking machines, usually act in private is uniknot in the network or in the user's account. Private networks are also commonly used for message transfer credit cards and other messages about financial operations. Access to these systems for the processing of credit cards is also limited mainly to ensure security.

The relationship between networks wide coverage makes it possible to send messages between distant from other locations. The most widely known network coverage is the Internet, which can be used for communication between computers around the world. The Internet is not widely used for reporting financial transactions, because it is not a secure network. Messages intended for a specific computer address that can be tapped quietly on other addresses. Because messages can be intercepted in locations that are far from the country of destination, there is the potential for fraud.

Some companies are starting to provide technical solutions for more secure transmission of messages over the Internet. For Internet messages are also used encryption methods. But the openness of the Internet has limited its usefulness for financial messages, cha is the beautiful wide coverage can be transferred using a Protocol transmission control/Internet Protocol POPD/PI (TCP/IP). U.S. patent No. 5706422 gives an example of the system in which the financial information stored in databases, the access is performed via a private network wide coverage with messages POPD/PI. Message sent in networks that use POPD/PI, may contain “documents” (the so-called “pages”). These documents are in a Language Indicate Hypertext AOHT (HTML), which is a type of programming language used for creating documents that contain commands or shortcuts. The labels are the codes that define the characteristics and/or operation of the document, such as fonts, layout, integrated graphics or links of hypertext. Documents AOGT process and read by using a computer program called a “browser” program is a quick preview of the file. Labels telling the browser how to handle and manage what is seen on the screen and/or is heard in the speakers connected to the computer running the browser when the document processing. Documents AOGT can be transferred over the network using a transfer Protocol hypertext PGT (HTTP). The term “hypertext” is the designation for the ability to insert links in the text of the document, kotomi.

Thus there is a need of providing an automatic banking machine and system that can be used for wide coverage, such as the Internet, while providing a high level of security. Also there is a need of providing an automatic banking machine and system that provide the user with a familiar interface and a range of financial transactions of its own institutions when working with devices outside agencies. Also there is a need for apparatus that can provide a wider range of financial transactions and types of advertising and printed material for users.

The invention

The object of this invention is to provide an automatic banking machine, using which the user can carry out financial transactions.

Another object of this invention is to provide an automatic banking machine, with which you can work by connecting to the network coverage.

Another object of this invention is to provide an automatic banking machine and system that provide user zi are third-party institutions.

Another object of this invention is to provide an automatic banking machine that manages communication with the documents AAGT and messages POPD/PI.

Another object of this invention is to provide an automatic banking machine that connects to a Bank machine to their own institution user through documents AAGT and messages POPD/PI, created in response to the marks on the card entered by the user.

Another object of this invention is to provide an automatic banking machine and system that carry out financial transactions over a network wide coverage, while providing a high level of security.

Another object of this invention is to provide an automatic banking machine and system that control the connection of the banking apparatus to the external address through the server-representative.

Another object of this invention is to provide an automatic banking machine, which limits the operation of the devices in the device using a local device server.

Another object of this invented the increase to the Internet.

Another object of this invention is to provide an automatic banking machine that may be used to provide the user with a greater number of types of messages, including messages that are intended for specific users.

Another object of this invention is to provide an automatic banking machine that has the capabilities to provide users with a wide range of printed documents.

Another object of this invention is to provide an automatic banking machine that provides additional identification of the permitted users.

Another object of this invention is to provide an automatic banking machine that may be used in connection with the existing systems of financial transactions, while providing enhanced functionality.

Another object of this invention is to provide an automatic banking machine that provides enhanced diagnostic capabilities and services.

Another object of this invention is to provide automaticed of this invention is to provide improved systems, using automated banking machines.

Another object of this invention is to provide improved methods of automatic banking machines and systems.

Other objects of this invention will be apparent from the following description of the Optimal methods of carrying out the invention and from the accompanying claims.

The above objects are in the preferred implementation of this invention by means of an automatic banking machine that includes an output device such as a display screen and an input device, such as a touch screen or keyboard. Banking apparatus also includes such devices as a mechanism for the issuance of banknotes, printing mechanism, the reader/writer card, mechanism of acceptance of deposits and other devices that perform the physical functions of financial operations and used by the apparatus to perform financial transactions.

Banking apparatus also includes a computer. A computer operatively connected to the apparatus output devices and input devices, and also to the mechanism of delivery, reader, card, and other physical condition is an increase. Computer programs contain the node processing documents AOGT. The node processing documents AOGT sends and receives documents AAGT and messages PGT. The node processing documents AOGT preferably connected to the output device to display a display image containing indicators hypertext links. The node processing documents AOGT also preferably connected to the input device, which allows the user to select and create a response message from the computer. The node processing documents AOGT preferably operates in connection tools software JAVA and can run commands in a text JAVA driver passed with documents AOGT.

Tools of the computer software also preferably contain specialized hardware node. Specialized hardware node contains software tools that control the mechanism of delivery of sheets and other devices. In the preferred form of the present invention specialized hardware node contains a variety of specialized programs for JAVA devices in the device.

Computer automated banking machine with which bscene of specialized hardware node and causes the operation of devices using the respective hardware interfaces. In one preferred form of an automatic banking machine node processing documents AOGT, specialized hardware node and software host interface devices - all of them-are in the same computer and communicated with each other on different ports PI.

Automated banking machine of the present invention in one of the configurations communicates using messages POPD/PI on an internal network (Intranet), which contains a combination of such devices. The internal network is in turn connected to at least one computer, which is operated by a private institution. A private institution is an organization that works with banking machines.

Computer third-party institution preferably contains its own server PGT, server-representative (the authoritative server and the device server. Server-representative carries out the communication via the internal network by host software that handles documents AOGT, with each of the banking machines. The server is also configured to connect to the network wide coverage, such as the Internet, connected to third-party servers. The device server shall transmit the reports of the preparations. The server device may include controlling software tools that control and selectively restrict the use and operation of the devices in the banking machine. This provides some level of protection.

Automated banking machine and system to connect the user to the institution, where his account. This facility can be either a private Agency that works with the banking machine, and in which the user or a third-party institution, which is connected to the network coverage. To work with the banking machine, the user makes entries that correspond to a certain address, such as address EWAR, through the input device addresses. The node processing documents AOGT connects the banking machine to the server, which corresponds to this address. This is preferably performed by the user on the card which the reading device in the banking machine reads characters representing the address, or it is performed by the input device, which authenticates the user, or institution, or organization in which the user has accounts.

The node processing documents AOGT responds to the address on cartocci address private institutions user has its own server, the banking machine operates on messages from your own server. If you enter the user's address matches the address of the third-party server, the server-representative communicates over the network wide coverage with third-party server in your own institution client. If the client connects the device to the server, which is operated by a third-party institution, the documents AOGT sent from third-party institutions that correspond to the documents, which usually directs this third-party institution. As a result, the client will be known this interface produced by these documents, and it will be easier to work with data of the banking system.

Third party server or your own server to work with the banking machine by sending documents AOGT that contain commands for working devices in the banking machine. Commands are passed from node processing documents AOGT in specialized hardware node software, which in response to these commands actuated device. Commands from the dedicated hardware of the node devices in the automated banking machine is directed through the device server's own institution. This str is ovci”, which restricts third-party servers that can connect to Bank staff and to work with him. This is called “firewall”.

The implementation of the present invention also provide an increased number of user interfaces and provide the printing of a wide range of documents by Bank machine. This invention also provides improved functionality when using existing networks for financial transactions and automatic banking machines.

BRIEF DESCRIPTION of DRAWINGS

Fig.1 is a schematic illustration of a network configuration that contains the automated banking machine and system of the present invention.

Fig.2 is a schematic illustration of a preferred implementation of the automated banking machine of the present invention.

Fig.3-24 - schematic illustration of the automatic banking system, internal network, connecting wire device to a computer system your own Bank, and network wide coverage, connecting the computer system to a private Bank to a third party Bank.

Fig.3-18 - schematic representation of the stages of financial operations banking machine using a computer sistemski apparatus using a computer system a third-party Bank.

Fig.25 is a schematic illustration of a network configuration that contains an alternative implementation of the automated banking machine of the present invention.

Fig.26 is a schematic representation of the frames in the node processing documents AOGT alternative implementation of the automated banking machine of Fig.25.

Fig.27 is a schematic illustration of a user interface automated banking machine and the function keys and the keys of the auxiliary keyboard included in the interface.

Fig.28-30 - schematic representation of examples of the stages of transformation of inputs from the function keys and the keys of the auxiliary keyboard in the input stream from the keyboard and flow from the mouse.

Fig.31 is a schematic representation of examples of stages of printing documents automated banking machine.

OPTIMAL METHODS of carrying out the INVENTION

In Fig.1 position 10 shows the configuration of the network that contains automated banking machine and system of one preferred variant implementation of the invention. The network 10 includes a set of automated banking machines 12, which in the preferred implementation of this invention are BM. BM hamutarou system, with the Bank or other institution, which manages the BM 12. Computer system your own Bank 14 is connected to the BM 12 through the internal network 16. The internal network 16 preferably is a local or private network, which provides communication between the computer system 14 and banking machines 12 through messages in the format of transmission control Protocol data/Internet Protocol (UPD/PI).

Messages that pass through the internal network 16 preferably are messages POPD/PI and documents AOGT. In one preferred implementation of this invention, the documents AOGT sent over the internal network 16, contain built-in commands programming, object-oriented, preferably in the format of JAVA, developed by sun Microsystems. Messages sent via the internal network 16 can be sent in encrypted or unencrypted, depending on the nature of the system and needs the security of a private Bank.

You need to keep in mind that the implementation of the present invention can handle other types of documents that contain shortcuts or commands. For example, recently proposed a form of “extended the language we and options containing documents with teams, called documents AOGT.

Although in the described implementation uses JAVA, you can also use other programming languages. For example, you can use was developed by company Microsoft Corp.” language Active-X, or in other implementations can use other languages. You also need to keep in mind that the data contained in the documents command can cause the computer access to other documents, records, or files on other addresses to get the program to perform some operation.

Computer system 14 private Bank also connects to the image in Fig.1 to the network wide coverage 18. In some implementations of the present invention a network wide coverage 18 is the Internet. In other implementations of the present invention can use other network wide coverage. Network wide coverage preferably sends a message format POPD/PI between multiple computer systems connected to the network coverage. These third-party computer system schematically represented by the servers 20, 22, 24, 26 and 28. You need to keep in mind that servers 20-28 may be other financial upravleniya documents AAGT and other messages PGT.

Fig.2 depicts a schematic view of the BM 12 used in connection with one preferred implementation of this invention. BM 12 includes a touch screen 30. Touch screen 30 includes a display screen, which serves as the output device for the implementation of the message with the user of the machine. Touch screen 30, as it is a touchscreen, also serves as an input device for receiving commands input from the user. Touch screen 30 is connected via the interface 32 to the computer 34, which preferably is placed in the machine. An alternative implementation of the present invention can include other output devices, such as loudspeakers.

The computer 34 is also connected to a set of device functions to perform financial transactions 36, which are also in the BM 12. Devices 36 include, for example, the mechanism read/write card 38 and a keyboard 40. Device 36 also includes a mechanism of delivery of the sheets 42, which gives the leaves, which in some preferred implementations can be currency or banknotes. Device 36 also contain storage 44 for receiving deposits in a secure location in the machine. The printer receipts 46, which issues receipts financial Opera is, the paper, record information about financial operations. In other implementations may use other or additional device functions of financial operations that perform other functions to perform financial transactions. Other implementation may include fewer devices function to perform financial transactions. You also need to keep in mind that although the described implementation of the present invention is ATM, the principles of the invention can also be applied in many types of devices for financial transactions, which do not need to perform banking operations.

Each device is operatively connected to the internal bus control 50 in the Bank device 12. The control bus 50 outputs the internal messages to specific devices. Each device has a corresponding hardware interface that allows a specific device to perform its appropriate function in response to messages passed to it via control bus 50. The reader/writer card 38 has a hardware interface, shown diagrammatically under the designation 52. Hardware interfaces 54, 56, 58, 60 and 62 respectively connected to the printer log 48 with the control bus 50.

The computer 34 has a few runs in it. In the preferred implementation of this invention, these programs include site software interface devices 64. The host software interface devices 64 preferably contains a software interface with devices 66, which is exchanged emails with the control bus 50. The host software interface devices 64 preferably contains a control program of the device 68. The control program of the device preferably controls various devices 36 and manages their various States to ensure their proper operation in the sequence. The control program of the device also preferably creates tools software objects devices to operate the devices according to at least one object-oriented program 70. The host software interface with the device also contains a node object-oriented program 70, which in one preferred implementation is a specialized and compiled in JAVA. Program 70 works in conjunction with the control program of the device and adopts object-oriented JA the device to work and/or accept input.

The host software interface devices 64 in the described implementation works through the computer 34 and communicates through a physical connection POPD/PI 72 with the internal network 16. The physical connection may be analog code call, a serial port, connect the digital network integrated services or other appropriate connection. In the depicted configuration system host software interface devices 64 communicates the address PI computer 34 and the port PI or slot 74, which is different from other application systems software. In other implementations of this invention, the host software interface devices 64 may operate in a different computer that is not applied software systems of this invention.

It should also be borne in mind that although in the preferred implementation of this invention, the host interface device 64 is a software tool, in other implementations of the present invention, all steps command or parts thereof to be performed by the software node 64 may be located in the equipment or in other media programs in connection with one compui the commands are called software.

The computer 34 is also other software. It contains a processing program documents AOGT, including the browser, schematically depicted under the designation 76. In a preferred implementation of the present invention processing software documents AOGT contains a browser developed by Netscape”. But in other implementations may use other software processing documents AAGT and communication and browser software, such as Hot JAVA company “sun Microsystems” or “Internet Explorer”, developed by Microsoft”. The browser 76 communicates to the computer 34 in the port PI, specified under the designation 78.

The browser 76 operatively connected with software JAVA 80, which enables the computer 34 to work with programs in the JAVA language. Program JAVA language have the advantage that they work the same without modification on different equipment. This ability to “pay record/work everywhere” makes JAVA software is well suitable for the described implementation of the present invention. But other implementation may use other types of software programs obespechenie depicted under the designation 82. Commands to be executed by the computer in a text driver JAVA, preferably are built-in commands text JAVA driver included in the documents AOGT that take over the browser 76. The browser 76 in connection with the software JAVA 80, which executes the commands in the embedded text JAVA driver 82, is a software processing unit documents AOGT for sending and receiving documents AAGT and messages POPD/PI port PI 78.

The computer 34 also has performed in software, with specialized hardware node 84. Specialized hardware node 84 contains executable commands relating to the action of the device 36. In a preferred implementation of the present invention specialized hardware node consists of a set of specialized JAVA programs. In the described implementation of specialized programs also preferably are programs that control the status of the related devices, and that watching this status. Certain specialized programs also preferably configure the browser to exchange messages. Certain specialized programs are responsible for zasedenost JAVA program associated with such functions, as the actuation mechanism of the card, notifying the browser on the input card of the user, the operation of the printer of the receipts of the printer mechanism of the magazine, the actuation of a keyboard user and receiving data via the keyboard, the operation of the store, walking on the address of the document, function bronirovania devices, the verification of digital signatures, management of encryption of messages, management of the range of banknotes issued of referral mechanisms sheets of different types, the calculation of the currency exchange rate, and the completion of financial transactions, and issuing commands to the browser to come back to connection with your server. Of course, in other implementations for device management and use of data for execution by an apparatus different necessary functions can be used in other specialized programs. Specialized hardware node 84 sets the message with the computer 34 in the port PI 86.

In the described embodiment, the present invention is a specialized hardware node 84 of the software does not send its messages directly to the software host interface device 64. In accordance with the following lower is motivate direct message transmission control devices from specialized hardware node 84 directly to the program device 70. This can be done either by using POPD/PI by sending messages in the usual manner through the line, installed in the operating system of the computer with the software that provides the interface between the devices, or through a direct call to the software.

From stated above explanation it follows that certain specialized programs in specialized hardware node 84 may correspond to devices that are not all ATMs. For example, ATM / cash machine, which only works as a mechanism for the cash advance, does not contain the storage mechanism, such storage 44. To account for the situation when the user requests a financial transaction, which the BM 12 is physically impossible, the software host interface device 64 can be programmed to provide the appropriate response message, which will indicate that this feature is missing.

Or a software interface node devices can contain a function that checks the presence or absence of each type of physical device in BM. Information indicating the presence of devices in BM, can be part of coordinate or more parts of the address EWAR, which messages sent by the ATM. Thus EWAR in the server, which is connected to the BM may be configured to provide only documents AOGT, which correspond to the types of financial transactions performed by the ATM. As a result, the browser avoids the display of documents that contain links to the types of financial transactions, which ATM is unable to perform. For example, the ATM may avoid displaying the response for a document that contains a reference to the financial operation of the Deposit, if the ATM does not have a store.

Either the ATM may include a storage device data characterizing the functional devices in the ATM. These data, for example, may characterize the set of devices in the ATM and configuration of these devices or of such designation, as the number of the ATM may be sufficient to identify the capabilities of the ATM. These devices, indicating a functional unit in the ATM, according to the server, and the server delivers relevant documents AOGT devices available in the ATM. This can be done on the basis of data corresponding to the data of the devices issued by the ATM, lannie device (ATM, have a specific designation. Documents, selectively delivered by the server to the browser ATM, will contain appropriate references to the functional devices in the ATM. These documents can be static or can be generated during the run of sub-documents or otherwise in order to provide respective output signals and commands to the output device of the apparatus for conducting financial transactions.

Fig.3 depicts BM 12 in communication through the internal network 16 with the computer system 14 private Bank. Computer system 14 contains the server-representative 88. The system 14 also includes a private server PGT 90. Computer system 14 also contains a device server 92. Server-representative, private server PGT and the device server may, in accordance with the image to be in the same computer or in other implementations in different computers. In other implementations can run additional servers.

Own server PGT 90 preferably is in communication with the storage device and data sets of the electronic message with the back office computer system, schematically depicted under the designation 94. Spoony carry out financial transactions in an automated banking machines. In addition, back office system 94 also preferably monitors the financial operations in order to make settlements with other institutions that participate in the system and customers which carry out banking operations in the BM 12.

In accordance with the following explanation of the server-representative 88 also acts in the described implementation for establishing a connection through the network wide coverage of 18 with third-party servers, such as third-party server 96. Third party server 96 is an example of a server that operates the facility or organization who are not Agency that works with the computer system 14. It should be noted that although the third-party server 96 is specified as the server you are working with third-party institution, this does not mean necessarily that this is the country where the institution is not a country in which the institution is located, working with the computer system 14. But it is possible that a third-party server 96 may be located in another country, including the country where people speak a different language, not that which is enjoyed in the country of location of the BM 12.

The financial transactions using the BM 12 is further explained with reference to Fig.3-24. Have noted the device and the system can be configured and operated for financial transactions different in many ways.

At the beginning of the approximate financial transactions, schematically depicted in Fig.3, the browser 76 communicates through the internal network 16 to server-representative 88. This connection preferably set so that documents AOGT to attract customers ' attention to the BM 12 displays on the touch screen 30. This is called “attract mode”. These documents AOGT that handle in the browser for generating output signals in the form of a display image on the touch screen 30 (and/or output signals by means of other apparatus of output devices), can come from your own server PGT 90, which delivers documents AOGT server representative. Own server AOGT sends messages addressed to the port PI, related to the browser 76 to display them at the appropriate BM. It should be noted that although in this example it's own server 90 describe as reported by ATMs through the server-representative 88, the server 90 may in other systems that are enabled by this invention, to communicate directly with the ATMs.

The main advantage of this system is that the server 90 AOGT can selectively deliver documents to the ATM 12, the connection of the place, where is the BM 12. Examples of specially prepared screen images may include bilingual messages in certain areas or information about the exchange rate in different points of entry. Material or messages may include advertising different products or services, or other material, specially designed for a specific location of the ATM. Specialized JAVA program and text JAVA driver loaded from a Central location, which provides selective redistribution of the software in ATMs, which can also be used to make BM corresponding to the conditions of its specific location for this this ATM provides access to documents that contain material intended for use in this location and which does not provide the documents supplied at least some of the other devices in the system.

The system of the present invention can be configured so that the selected devices had access to the documents AOGT at different locations, resulting in certain documents, which access will contain machine data, specifies the server's identity and/or location. On the basis of the machine and the data stored in data storage device connected to the server, the server delivers the documents, including a specially designed material. This can be done by collection of sub-documents or otherwise, to create documents that will be delivered to the browser of a particular ATM. It should also be noted that although in the described implementation of the access to documents AOGT carried out through the server of the institution relating to this cash, the documents used for attract mode, can be accessed from other servers, we work with other agencies.

Touch screen 30 of this exemplary sequence of realization of financial operation displays a screen image that contains a separate image indicating one or more languages that, to start a financial transaction, the user must touch the screen. If the user touches the screen in the area of that particular image, it generates an input signal. The input signal or message PGT passed through the browser 76 to its own address ssobstvenny server PGT, are represented by arrows pointing from the browser 76 to the internal network 16 from the internal network 16 to the server-representative 88 and from the server agent in the server 90 PGT in Fig.3.

In response to receiving a private server PGT 90 message indicating that the client has touched the specified image on the screen, your own server responds to the selected address and sends the message through the server-88 representative (other implementation - directly in the browser 76. This message preferably contains the document AOGT, which is then processed by the browser in the form of a display image that instructs the user to insert his card into the mechanism of the card reader 38. The flow of documents AOGT, graphically represented in Fig.4, preferably also contains a built-in text driver JAVA or other teams from running JAVA software to send messages to a specialized JAVA program, which is responsible for the actuation mechanism of the card in a specialized hardware node 84. In one preferred implementation teams provide specialized program pointer or shortcut, and this you can also use other software and other methods.

In accordance with the image in Fig.5 in response to the built-in text driver JAVA, which puts in place a specialized JAVA program related to the functions of the actuation mechanism of the card, a specialized JAVA program in a specialized hardware node 84 sets the message to the device server 92. The device server 92 includes a server program device 98, which in the preferred implementation is a JAVA program, which provides communication with specialized programs and JAVA application server device 100. The device server 92 is also preferably contains an application system control software 102, which controls commands for working devices. Controlling software minimizes the risk of fraud or abuse under the next following explanation.

Returning to the example of realization of financial operations: in response to receiving the message, the actuation mechanism card from specialized hardware node 84, the device server 92 generates a message using the internal network 16 in a software interface node device with the card, sent to the port PI 74, where the communication software of the host device interface. In response to receiving the message, the software node 64 sends a message or messages to the control bus 50, which actuates the mechanism of the card 34.

In continuation of financial transactions in accordance with the image in Fig.6 enter the card by the client in the mechanism of the card reader 34 causes the read card data and the direction of the software interface node device 64 message to the device server 92, which indicates that the card data read. This message is passed through the device server via the internal network 16 in specialized hardware node 84. Specialized hardware node then forwards the message to the device server to request the data card. The device server 92 sends the message with teams to deliver the data card from the software interface node device 64, which responds to that sends the message with the data card on the internal network to the server device. Device server - if there are no grounds for termination of this financial transaction reports record PGT containing the data card back to implement the present invention with the introduction of the card by the user or the client, enter characters, which correspond to the address belonging to a given user in the network. In this embodiment, the marks correspond to the address of uniform detection device resource (EWAR - URL), which provides information about your computer that contains information about the user, and the directory or subcatalog, which contains user information and the name of the document or resource that contains user information. Address EWAR can be encoded on the card user. The address can be encoded on track 3 magnetic stripe, in other places among the data from the magnetic strip or by coding other readable characters on the card. Or, if the card user is “intelligent”, which contains a semiconductor memory device, EWAR address of the client may be included as part of data stored on a chip integrated circuit on the user card. Or EWAR may be deduced from other data on the card using access database in which data addresses are correlated with other data read from the card. The data required to display the address for access to documents of the client, can the glasses, including, for example, biometric data entered by the customer via the biometric reader. These biometric data can include, for example, data corresponding to one or more fingerprints, the data regarding the appearance of the user, or a combination of both.

For example, and not limited to, data entered by the customer, such as by entering the card into the mechanism of reading the card, can match the address for access to a record PGT, which can be a file or a document containing information that can be used to verify the user's identity. This entry contains data, the corresponding personal identification number. Information may include biometric data corresponding to the legitimate user of the card. The browser can access the account and to use the content of this record, such as data and/or commands to verify that the signs of biometric data records correspond to the biometric data of the user entering the card. Either the input data describing the appearance, voice, and other characteristics (or combinations thereof), or other input can be used for the formation of the resa can be used to check what are the apparatus and the user corresponds to the user of this account. Within the range of the present invention can be used for this purpose many methods. Information records corresponding to a given user, can similarly be used to allow certain functional devices in the device to act for this user, and deny doing it to other devices. For example, in relation to the user who exceeded the account balance, the account may have information that will not allow him to operate the mechanism of delivery of cash, while in respect of users who did not exceed the account balance may have information that allows you to perform this operation. Or lack of information in the corresponding entry may allow the action of the devices, and the introduction of some information will be selectively restrict the action of the device.

Returning to the example of a financial transaction: the card data successfully read from the card is delivered in response to the programming hardware device node 84 to a specialized JAVA program that makes the notification that the card data is entered. In otvor, the corresponding data read from the card. Specialized JAVA program also preferably opens a record 104 on financial transactions, which contains EWAR address of the user, time and other data cards. This entry in the preferred implementation can be stored in a storage device as a data object software. This object is preferably used for data accumulation in the implementation of financial transactions. Data stored in the object data, financial transactions, preferably contain the data entered via the input device by the user, and also data describing the operations performed by the device functions to perform financial transactions.

Record or data object financial transactions provide the established order possible several different steps that are performed by the user. With the ability to use and share data in a number of different operations can avoid the need to remove them or get them from a user more than once in the course of work with one user, when making a number of stages of the financial transaction. The use of the data object FINA the tea required information from the financial transaction. This method also provides the ability to use the record or data object for the formation of the corresponding entry at the end of the implementation process financial transactions. This record can be saved in a storage device, translate into a series of records or delivered to the addresses in the local network or in network coverage.

In accordance with a schematic depiction in Fig.7 browser 76 in response to receiving data address EWAR sends the message to the internal network 16 to the server-representative 88. For the purposes of this example, the address EWAR related to the data card, is the address of the user's own Bank, which works with the system 14. As a result, the address EWAR client will determine the direction of the message from the server agent 88 private server PGT 90 and will provide access to the relevant document in his address. Or in other systems, the communication can be directly installed with the server 90 without the participation of the server agent 88. In accordance with the above address EOOR may also contain data characterizing devices operating in BM.

In response to receiving the message your own server 90 PGT also detects data corresponding to addresses EWAR floor is m AOGT. This document AOGT may include a screen image, confirming on behalf of this client and also the name of the banking institution or other organization that works with private banking computer system 14.

In addition, the document AOGT preferably contains a built-in text driver JAVA, which has a digital signature, or a means for obtaining digital signatures relating to your own server PGT 90. Thanks to the command text driver that is included in the document in some implementations, specialized hardware node accesses the address PGT on the server, which in the described implementation is a server 90. Address PGT matches an entry PHT, which contains at least one command, and preferably contains a program, such as a specialized JAVA program or file Active-X. This command is used to actuate the corresponding device functions to perform financial transactions. Record PGT preferably contains data characterizing the signature, such as a digital signature. This digital signature take when responding to text JAVA driver 82 and handle specialized in the AI and, if this signature is acceptable, enables the banking system. In some implementations specialized program may compare the signature data signature, stored in the storage device for a given relationship, such as compliance.

After specialized program certifies that the server PGT 90 or other selected entry PHT sent a proper digital signature financial transaction receives permission to continue. If for one reason or another appropriate digital signature is not sent, then a specialized JAVA program will stop this financial transaction and the Bank will return the device 12 back to the state prior to the beginning of the financial operations, by combining the BM with the address mode of attraction in your own server 90. The use of signed commands you can use in order to ensure that the various device functions to perform financial transactions act only in response to appropriate messages. Using signed by teams may be especially appropriate for commands that control the operation of the mechanism of delivery of the sheets or otherwise provide values which tour is appropriate signature, and in this case, the return message from the browser 76 in its own server 90, indicating that the financial transaction can continue. In accordance with the image in Fig.8 in this exemplary financial transaction own server PGT 90 then sends the document AOGT in the browser 76, which contains commands that after processing form the page or screen image, giving the user a command to enter your personal identification number (PIN). This document AOGT preferably contains built-in commands in JAVA, which makes casting, using specialized hardware node 84, the keyboard 40 BM, so that the ATM was able to get LEAN. This message is shown schematically in Fig.8 with a text JAVA driver 82, which signals a specialized JAVA program that is responsible for the keyboard, that she received a request to give effect to the keyboard. In response to this specialized JAVA program in a specialized hardware node 84 sends a message to the device server 92 via the internal network 16. The device server 92 sends a message back through the internal network software interface node device 64 in BM. The commands in this soobesedovaniya a JAVA program, responsible for the actuation of the keyboard, also preferably adjusts the record 104 to indicate that LIN was requested.

In accordance with the image in Fig.9 LIN, entered through the keyboard 40, is transmitted in the message from the software interface node device 64 in the device server 92. The device server 92 returns the message that is responsible for this specialized JAVA program in a specialized hardware node. Specialized JAVA program then sends a message back through the host processing documents AOGC and the browser 76 to the address PGT own server 90. This message contains data characterizing LIN entered by the customer. In some implementations do not want to display LIN client on the screen. In these implementations specialized program the keypad to display the default characters such as “ * ” symbol, or other symbols instead of numbers LIN. Further, in accordance with the following explanation may be desirable to avoid passing on LIN or other data through the browser, and in this case, the data LIN can be treated as a separate message PGT or otherwise, to reduce the risk of disclosure.

Software running the departure in the auxiliary office system 94 and waits for a response. Or check LIN client can be run in BM using the appropriate specialized program. This can be done in situations where the data on the card of the customer, such as account number, can be correlated with LEAN client using the algorithm. Built-in text driver in message AOGT may contain or specify the address for receiving data and/or commands that specialized program uses to perform this validation functions, including certain data encryption key. They may include user information in the document AOGT or other data recording, which was made available during the response to the card data of the user. In accordance with the image in Fig.9 object data financial transaction 104 is also properly adjusted by using specialized programs to specify the input LEAN client.

In alternative implementations, the apparatus may include a biometric reader or other input device for receiving input from a user. The user can enter data through this device that can be used instead of or in addition to data LIN, to make sure that the data the research data with the information the corresponding dozvolennogo the user of a card, contained in a record or document that has an address PGT and to which access does the browser or client application PGT through a server PGT in response to the data card. Or entered data can be used to generate addresses for documents or records to which access does the browser or client and which contain information which is used to verify the user's identity. For example, user data can be saved in a storage device associated with the server PGT, which delivers information from the record in response to user data, which is used to verify the identity of the user.

It should be noted that the page or screen image that prompts a user to enter his LEAN, depicted generated from private server PGT 90. It is preferably a display image that belongs to a specific user address EWAR. This will be the interface private Bank client, which will be known to the client. Any user can access to what is essentially personal “private page” client ukie and that is perfectly tailored for the specific needs of financial transactions.

Or document(s) or record(s) containing the customer data can be used to generate addresses of other documents. This can also be used to generate documents for a particular client in a particular circumstance. You can use this method to reduce the amount of work required for the early development of personal visual page or document for each client.

The ways to do this can apply various types and categories of user information in the document(s) or account(s) related to a specific client. This information may contain information such as gender, family, types of accounts permitted financial transactions, user privileges, and interest of the user, account balances, previous proposals, rejected and accepted, and other information. This client information may be used the corresponding specialized program from a number of specialized programs 86 for addressing and/or development of the relevant document to the browser in order to provide access on the basis of “characte financial transactions, present in a particular apparatus, the information stored in the storage device in the device or elsewhere in the system, and also other factors such as day of week and time of day based on the system clock. Thus the device determines the appropriate document to access it, or to generate a document for a specific client under certain circumstances.

The logic used in the specialized program characteristics, can result in the creation of documents or access to documents for the client; it also includes a range of transactions on the basis of user information, terminal and other factors. Specialized program characteristics may offer options for financial transactions or information selectively based on client information. For example, the operator of the ATM may provide, selectively, customer incentives, premiums, additional variants of the deal or promotional information. Certain types of clients agencies that works with this ATM, can get the screen with the options that encourage them to expand the business operations, or to make data uchrezhdenii, can provide incentives to conduct commercial transactions with the institution working with this ATM.

Specialized program-response may result in the Commission of computer access other documents in other servers, such as stock market data, and to selectively provide their customers. It should be noted that the specialized program characteristics may also determine the address or create documents to create an initial screen image of the sequence of making financial transactions. Specialized program may also provide information, or to make access to documents, or create documents to generate visual findings to the client in the other paragraphs of financial transactions or between financial transactions. It can also be used in systems in which the operator of the ATM may implement paid advertising for third parties, and then make access to records PGT, such as files AOGT for products or services of these third parties. Such access can be performed on a periodic or other basis, but it can be made effectively by selecting write AOGT to access when reaney financial transactions implemented by the client Agency, which works with a computer network 14, schematically shown in Fig.10. Own server 90 PGT operates in response to input by the client is correct LIN and shall submit the documents AOGT in the node processing documents AOGT in the computer that controls the operation of the BM. These messages may contain information used to generate the display images that tell the client to choose a particular financial transaction. For the purposes of this example assume that the customer enters on the touch screen 30 the choice that corresponds to the cash that is normal financial transaction BM.

The choice of the customer using the input device, the touch screen is reported back via the node processing documents AOGT, which tells the message PGT own server PGT 90. The server 90 then responds that sends another document AOGT in the banking system, in which the customer is prompted to enter the amount. The client can once again enter a selection on the touch screen indicating the amount of cash requested by the client. This message PGT passes through the node processing documents AOGC and the browser 76 in its own server 90.

In response to polichinelles office system 94, to make sure that the client is on his account that the requested amount. This is preferably carried out by using a Common Gateway Interface OSHI 106, which is in operative connection with a private server 90. For the purposes of this financial transaction based on the fact that the auxiliary office system 94 specifies that money in the account of the client, and sends the message through OSHI 106 in its own server 90, indicating that it can continue.

In accordance with a schematic depiction in Fig.11 own server 90 then sends the document back to the host processing documents AOGT software BM. Preferably, this message appeared on the screen information that notifies the client that the financial transaction is processed. In addition, the returned document AOGT preferably contains text driver JAVA, contains built-in commands, which are then communicated to a specialized JAVA program that relates to the mechanism of delivery of sheets 42.

Returning from its own server document 90 may, in addition to the message for the client, or instead of, contain advertising m is access to another document or to create another document. These commands can use such methods in the specialized program characteristics, which depend on the properties of the client, ATM, current time and/or other circumstances. This enables you to access documents that provide to the client while he waits for the completion of work ATM, advertising or other information. It should be noted that access to these documents can be done in any place, including access via the Internet. This allows to selectively provide a wide range of materials for clients. It also enables operators to BM and other devices for conducting financial transactions to provide advertising material to customers or even specifically for certain categories of clients on a specific basis. This material may be advertising operator of the ATM, such as a Bank or broker almost any type of goods or services. Advertising material may also be provided selectively on the basis of certain currently running devices financial transactions on the basis of this amount of cash or based on other parameters. Documents AOGT also allow us to represent the client is issuing sheets, sent to a specialized JAVA program in a specialized hardware node 84 of the software, its result is the formation of a message to the device server 92. Message to the device server 92 of the cash preferably analyzes the control software 102 to verify its conformity with the relevant requirements. For example, control software 102 preferably checks the amount requested cash for exceeding the specified amount. Alternatively it can check the excess of the amount contributed to this client in the past period. This can be done by sending messages to the back office system, which contains the card data previously received from this client. This message can pass through the server 90 and OSHI or through another connection. If the team about the cash advance is not canceled by the message from the back office system or the controlling software, the device server 92 sends a message about the issue in the software part of the device interface 64 in BM. Software node 64 then, in response to the message of the actuation mechanism, the extraction is preferably performs additional functions in the device server. For example, government regulations or practice of good business practice may require limiting the size and amount of contributions that can be made in BM. It may be appropriate to prevent money-laundering or other suspicious activity. Control software preferably limits the amount of any single contribution is below a prescribed limit. It also, in connection with the back office system your own Bank, 94, prohibits the exercise of several contributions within the prescribed time, which exceed a certain limit. The controlling software can also work in connection with server-representative to restrict certain financial transactions that can be performed at the ATM in response to commands from third - party servers in accordance with the following description.

It should be noted that in the preferred embodiment of the present invention, a specialized JAVA program that sends a message about the cash advance work in conjunction with another specialized program that controls a set of banknotes issued by the clients. Many ATMs can the th, so ATM there is a need dignity and to the banknotes of the same denomination have not previously run out of the other. Preferably, specialized program of range of the merits of banknotes controlled range in accordance with the needs of the institutions BM, and in accordance with the features of the BM. Or a specialized JAVA program that controls a range of banknotes can be placed in the program device 70 in the software interface node devices 64.

The specialist of this field will be clear that the specific specialized JAVA program and/or configuration data in the ATM, you can selectively download from private server 90 at the start of the ATM, or at any other time. Because specialized programs and configuration data can be selectively deliver at certain ATMs, ATMs, you can prepare specifically for a certain way of issuing banknotes or other characteristics. For example, the BM can be configured so that certain special programs or groups must be present so that the ATM could be put into action. One method of loading these ukazaniya, where can I get the necessary commands for the acquisition of specialized programs or data. If special programs or groups do not already exist in the storage device of this BM at the start, the software accesses the address system for documents that contain the required entry or command that loads in the machine correct record. To access the address you can use the browser and then the software loads the data corresponding to the commands of documents, which is accessed in the storage device in the terminal BM, resulting in the terminal will have the necessary specialized programs and data. Access to these addresses documents can be done through your own server 90. Any address can be in a separate development server connected to the internal network 16. Thus, each performing a financial transaction device can download specialized programs and data, which contain the operational codes necessary for him to actuate the device to perform financial transactions in the apparatus. Any documents can be provided through a development server, or another server, which may have to deliver to the device command for obtaining operational code to perform a wide variety of functions. Commands can be sent to the device to obtain the necessary data and code of the address to which access can be accomplished through servers PGT client PGT in the apparatus. Data and code can be obtained in response to commands from one or several documents. The apparatus may also require to download so specialized programs would have been signed, including digital signatures or other authenticating signs to give effect to certain devices in the apparatus.

Embodiments of the present invention can obtain the necessary specialized programs and data from a remote data storage.

Storage device data preferably includes data and/or programs that provide staff with the opportunity needs work or receive commands about where the device can receive the necessary commands and data to work. Data access can be done from the database server. Apparatus for conducting financial transactions sends a request to the database server. This request may contain the characters from the device that identifies the device, or be accompanied by these characters. This can bytvalue device capabilities of this unit.

Storage device data preferably contains records that have data or programs to be transferred to the device. In response to the request in the server selects the records from the data storage device and, in response to these data, sends one or more messages to the client PGT in the apparatus for conducting financial transactions. This message(s) contains configuration data or specialized programs, resulting in the desired action of the device, or they can contain commands that tell the machine how to get these programs from servers connected to the system.

In the described example, the configuration server and data storage device can operate in the same computer, such as server private Bank 90. In other implementations, the database server can be in a different location in the network, which is connected to this unit.

The advantage of apparatus and systems that use these features, is the flexibility of changing work and client interface unit in order to meet changing conditions. They may include changes in the structure of the function executing financial transactions. Conditions can change in such a way that n is to take deposits, but its storage is full. In this situation, the apparatus may change the documents to which access it provides to present messages to users through their output devices, resulting in the ability to invest more will not be suggested. This can be done using specialized programs and data initially loaded into the apparatus and providing the command when it encounters this situation. Or programming of the device is possible when the response was followed by its status is to be modified by loading a new specialized programs and/or data from the server PGT. This can be done in response to the request in the server database, which contains data describing the changed conditions or characteristics of the device, or is accompanied these data. In response to this server delivers specialized program(s), data and/or commands that cause the apparatus in a modified mode.

This approach resolves the situation that occurs when working with the usual devices for financial transactions, when a static representation of the interface on the output device offers customers some the p version of the financial transaction is missing. The described technical solution can be applied to many sets of financial operations and their variants. Sets of financial transactions can easily modify from the database server machine to machine basis or even by a client to client basis” in accordance with the above explanation based on the needs of the organization, working with the device to perform financial transactions.

Below continued description of exemplary financial transaction. When responding to a cash advance mechanism 42, issuing the requested amount of cash, software interface node device 64 preferably sends the message issue operation, which confirms the grant for specialized JAVA program that is responsible for issuing specialized equipment program 84. In accordance with the image in Fig.12 certain specialized program adjusts the record making financial transactions 104 indicates cash to the client in a certain amount. Built-in commands text JAVA driver contributing cash to the client, also preferably contain commands about the direction of confirming the completion of the grant message back to the self is configuring a specialized JAVA program host processing documents AOGT for sending the response message to the device back to its own server. Own server then in accordance with its program specifies the secondary office system 94 the receipt by the client of the amount of granted funds. This amount is subtracted from the client's account records, which leads back office system.

Usually in the course of conducting the financial operations of the client is asked whether he wishes to receive a receipt on completion of this financial transaction. This can be done at different times during financial transactions. In this example, after issuing cash to the client, working with ATM, send message, shown in Fig.13. Own server 90 sends the document AOGT, which contains a display image in which the customer is asked whether he wishes to receive a receipt. This message displays as part of the page on the touch screen 30 in response to the receipt of the message by the browser 76. Either this document can form ATM. In response to a command from the client about what he wants, or does not wish to receive a receipt, the message is returned to your own server. It should be noted that the display client display images preferably are images to which the client has used in his own institution, or t is, the own server 90 in accordance with the image 14 sends the document back to BM with a built-in text JAVA driver, which specifies printing of the receipt of the financial transaction. These commands in a text driver JAVA are reported in specialized hardware node 84, which sends the message GOTOP/PI through the internal network to the device server 92. The device server 92 in turn forwards the message with commands in the software interface node devices in BM. In response to receiving this message, the software portion 64 causes the printing by the printer 46 client receipts making financial transactions. Specialized JAVA program, responsible for bringing the printer to the action, adjusts the data object of a financial transaction or account 104. In accordance with the following explanation of specialized software that controls the printing of the receipt, you may get used when printing receipts data from a data object of a financial transaction.

It should be noted that even if the client does not wish to receive a receipt, it is still desirable to print a record of making financial transactions on paper using a printer of the magazine 48. This can be done in slowlywith the printing receipts on making financial transactions for the client, or it may be part of a separate document that indicates that the client rejected the proposal on the receipt of a financial transaction. Either the printer log can be powered in response to other specialized programs, such as a specialized program that determines the cash, or otherwise selected by the operator of the BM. From stated above description it follows that the operation of the preferred embodiment BM inherent flexibility and programmability in order to meet the needs of the system operator.

As shown in Fig.15, upon completion of printing of the receipt of the Commission's financial operations software portion 64 preferably sends a message to actuate the device in the device server 92, which indicates that the requested function device done successfully. The device server 92 sends a message to actuate the device in specialized hardware node 84 and in a preferred implementation, in certain specialized JAVA program that is responsible for printing receipts. Specialized JAVA program in turn configures the node processing documents AOGT to strmilov the La client printed.

Upon receipt of the cash and receipts to the client and then give the screen a prompt generated by the document AOGT from private server 90, which is asked to indicate whether the client wants to perform another operation. Visual page or screen image that tells about it to the customer, is displayed on the touch screen 30. For the purposes of this example assume that the client does not wish to commit another financial transaction, and an error message is returned via the node processing documents AOGT back to your own server 90.

As shown in Fig.17 in response to receiving the message indicating that the service the client is finished, your own server 90 sends in a CV message “home”. This message preferably contains the document AOGT that forms a display image, thanking the client. This message also preferably includes a built-in text JAVA driver, which causes specialized JAVA program that returns the node processing documents AOGT BM back in connection with the address EWAR server 90, or with a different address, which provides the documents used to output messages to the so-called “attract mode”. It should be noted that the text ragged server which loads the appropriate entry PHT, including commands, containing the specialized program.

As schematically shown in Fig.18, a specialized program command “home” configures the browser 76. After specialized program configured node processing documents AOGT to return “home”, a specialized JAVA program can be configured for delivery to your own server 90 information from the recording of financial transactions 104 on financial transactions, which has just been committed. As an exemplary financial transaction was made with the client Agency, which works with the computer system 14, then all data for that financial transactions should be recorded in the auxiliary office system 94. But it should be noted that this will not happen if the financial operation has been done in response to messages from the server, which is operated by another institution. Therefore, the whole, or part, information of recording financial transactions 104 may be delivered in response to the command “home” in your own server 90 and through OSHI in the auxiliary office system 94, where it can be identified as safety information and delete it. This mod is houtem data through messages from the server, in the secondary office system, or through messages, or using other methods.

Of course, in other embodiments, implementation of the information about the execution of financial transactions can remember in the database for long periods and not be returned after each financial transaction. Either BM 12 of this invention may contain specialized program delivery information recording financial transactions not own the server, and at the other locations, if it is necessary for the operator system 14.

The action of the computer system, when the BM 12 uses “third-party user, graphically depicted in Fig.19 - 24. Financial transaction with the third-party user who is not a client institutions BM 12 and the computer system 14, is controlled by its own server 90 and is in the procedure of the previous example to the moment when the customer inserts his card. The customer inserts the card with marks corresponding to the address EWAR, which does not meet the server 90. The node processing documents AOGT configures the message addressed to the access address EWAR, which corresponds to the signs on the customer card, or to another address, R is t message in the network coverage 18. Out of network coverage, the message arrives at the third party server that matches the client address EWAR. For the purposes of this example, third party server corresponds to a server 96, which is connected to the Internet.

In the preferred implementation of this invention, the server-representative 88 contains a “burn-in” software 107. Burn-in software preferably verifies email addresses to which messages are sent through BM, and selectively cancels sending emails to certain addresses. It serves as a “firewall” and desirable in order to prevent fraud in the system.

As shown in Fig.20, third-party server 96 preferably informs the message PGT, including documents AOGT, BM 12 back through the network coverage 18. This can be done using a secure socket connection (LSS) in order to minimize the risk of interception of communications. Of course, to minimize the risk of interception of communications may be used other methods, including methods of encrypting messages.

As schematically depicted in Fig.20, the response document from the external server 96 preferably contains a digital signature that identifies the third-party ser is accordance with the above description. Specialized program in a specialized node 84 BM preferably verifies the digital signature in accordance with the method described above and sends a message indicating that the financial transaction is allowed. Digital identity of the third party institution is remembered in memory BM and recorded in the auxiliary office network 94.

It should be noted that the documents AOGT from the external server 96 form a visual page or screen image third-party institutions that are accustomed to see third-party client. These pages may correspond to “own page” third-party user, which specifically meets the needs of a specific user.

Fig.21 shows a document to which access is performed via a third-party server 96 to the BM 12. The document from a third-party server may contain inline text driver JAVA, which allows the work to specialized JAVA programs in accordance with the above procedure to give effect device 36 in BM. In accordance with the shown in Fig.21 messages papd/PI for devices from specialized JAVA programs are from the specialized hardware node 84 in castie devices have a return path. When these messages are passed through the device server 92, the control software 102 controls to minimize the risk of fraud or abuse.

In accordance with the shown in Fig.21 documents from the external server 96 may be displayed on the touch screen 30 request the customer to enter his LEAN. Built-in commands text JAVA driver, as in the previous example, contain commands that allow the keyboard 40 to accept the client LEAN. As in the previous example, recording financial transactions 104, which contains the shared data object by the given financial transaction, offer specialized hardware software site. In accordance with izlaganim above, you can optionally exclude the passage of data LIN through the browser.

Fig.22 shows the return message of the actuation devices and data LIN in specialized JAVA program, which in turn passes the data back to a third-party server 96 through a network wide coverage 18 using a secure socket connection. Since that moment, the financial transaction takes place in General in accordance with the above example, except that external server 96 sent out to the server 96 contains specialized software JAVA necessary to enable the built-in text JAVA driver in the documents sent to BM to operate the device 36 in the device.

When the apparatus operates third party server 96, the control software 102 in the device server 92 control messages in accordance with the above description. This controlling, for example, prevents the issuance of incongruous large amounts of cash from the ATM. The controlling software can restrict certain third-party institutions some subset of devices or characteristics, carrying out financial transactions apparatus. It is done on the basis of the data stored in the storage device, which limit device or actions that you can perform on documents for specific addresses. This can be accomplished, for example, using the code barriers that performs a certain class of objects financial transactions and limiting feasible operation. For example, operations that establishes connection with a third-party server may initiate objects, and providing some limited opportunities for messages received from a third party server. This is ü issuance of printed documents, such as tickets, cancel the movement of cash or restrict the use of the apparatus other relevant ways. This can be done on the basis of addresses or parts of addresses for documents.

If the phone's capabilities for third-party client is limited, the third-party client can provide a visual interface of a third-party Bank-based financial transactions that can be performed by this apparatus and which may allow the owner of the device. As a result, the documents to which access is done on the server of a third-party Bank, may be a variant of documents that would be provided to the client on the machine you are working with a third-party Bank. This can be done on the basis of documents, specially designed to work with third-party devices, or it could be an option in the regular interface of a third-party Bank with visual indications that certain financial transactions are missing. In some cases, the interface may indicate that some financial transactions can be performed provided the relevant service fees.

BM a described implementation can increase security by restricting addresses that can receive the Chen can be maintained in the account(s) PGT (including documents), access to which is carried out through the internal network of the Bank. This device can access the records periodically and adjust the data storage device. This entry itself may require a digital signature corresponding to the signature in the storage device of the terminal, before data will be loaded into the storage device of the terminal. This information may also contain commands and information to the BM to verify authenticity of received messages to them through access to documents in third-party server. They can contain digital signatures, which are then forwarded using the encryption public key or private key to authenticate messages. The device checks to make sure that the signature in the records to which access is made from a third-party server that corresponds to the digital signature for this memorized in a memory device address and the device enables the device to perform financial transactions, such as the mechanism of delivery of cash, only if such compliance. Of course, in different implementations to validate and encrypt messages can the signs, contained in the record, or which are derived from the record and which indicate its permissibility.

From stated above description also implies that the third-party server 96 may communicate with the user via the touch screen in a language different from the language normally used by clients of the institution, which works with the computer system 14. As a result, the documents AOGT can display requests to issue a currency of a type or in an amount which is not contained in BM.

To meet this situation, a specialized hardware node 84 preferably include some specialized program that handles requests relating to foreign exchange. Specialized program of foreign currency determines the direction with the help of BM messages back to your own server in order to calculate the approximate amount that can be provided to the client in the available currency in BM to fulfill his request. It should be noted that this specialized program causes the address of a particular function in your own server 90, which can provide this function. After issuing specialized program tells the server 96 that wydawnictwa other technical solutions. Or a specialized program in the apparatus can generate a visual display, which shows the equivalent in local currency at the time of display or processing amounts in foreign currency. Also for the user on the visual representations can be shown both sums.

As shown in Fig.23, when the customer has completed their financial transactions via the touch screen 30, a third-party server 96 sends the message “home” back to BM. As a result of receiving this message, in accordance with the above description of specialized hardware node 84 in response to built-in commands text JAVA driver configures the node processing documents AOGT to the browser 76 has re-established a link with its own server 90 or other designated address documents.

In accordance with Fig.24 specialized program in a specialized hardware node 84, which processes the message “home”, preferably re-connects own server 90 and also sends the information recording financial transactions in account 104. This information recording financial transactions, which is preferably Packed in the data object that contains the client name, gmah and all other relevant data about financial transactions. Data on financial transactions use specialized programs when executing the stages of the financial transaction, which requires any part of the data. Once completed, the client apparatus specialized program provides the message data on financial transactions, which contains at least part of the collected data. This data is reported from the server 90 via OSHI 106 in the auxiliary office system your own Bank 94. This information is remembered in the back office system for subsequent use in the production of settlements with third-party Bank, which works with third-party server 96. Or, or in addition, data about financial transactions can be recorded in a storage device in the terminal and also on paper using a printer log. Data on financial transactions can remember to download the service or by transfer of objects containing data for many financial transactions. Packet data can be reported at such time and on such addresses can be saved in a storage device in data configuration of the terminal.

The advantage of the options of implementation of the present invention is that the financial data on the et conducting a variety of financial transactions and allows you to send messages, related to witness the use of smart cards such as electronic purse), or for calculations of various types of financial transactions on the selected address of the system.

It should be noted that the described invention is an automatic banking machine and system according to this invention provides the advantage that when the device is connected to a network wide coverage, such as the Internet, customers can perform their banking transactions virtually anywhere in the world. Also despite the broad capabilities of the system, because the device can be controlled as from the point of view of connection, and from the point of view of action, the risk of fraud is minimized.

The implementation of the present invention may also contain a sign, facilitate access to documents in the network connected to the apparatus. This characteristic determines the available record PGT, such as document AOGT or other document, to any address for download before the computer will access this record. This makes it possible to avoid instances of downtime, which otherwise may occur as a result of inability to access this record due to the fact that the path and the size of the recording, and forwarding rate, and to determine that the forwarding rate for this account is not fast enough, and so you need to forward an alternative account.

In one embodiment, this characteristic is provided by using a separate program, or a specialized program that checks whether the server will access the computer. This specialized program is effective upon receipt of the address or part to which the connection will be made. Specialized program produces a socket connection address and loads a small but sufficient amount of the recording, or otherwise, to determine that the server through which it is necessary to make access to an account that is not turned off. In response to verification of a specialized program that it operates a remote server or otherwise determining the conditions of access and boot the computer then performs some work, which resulted in the browser or similar software accesses this address at the appropriate time in the sequence of realization of financial operations. If specialized software cannot detect the fact of working remote server career, to gain access to an alternative address or to suspend the execution of a financial transaction. Access to alternative addresses may be based on data stored in a storage device of the terminal, or may be obtained through access to documents either on-site or remotely with the inclusion of data from which to receive or output the alternative address. Alternate address similar checks to determine that the records can be accessed before it is applied to alternative accounts. This solution eliminates the delay in conducting financial transactions.

Alternative implementation may use other technical solutions to determine the possibility of successful access to the necessary records PGT, such as documents AOGT, and/or determine whether the corresponding load before the browser, providing a client interface that tries to access the document. Some implementation may be considered when determining the possibility of successful access to the document transfer speed or other conditions pertaining to the system or to the content of the document. For example, specialized can determine the forwarding rate, with which recording can be sent to the computer. The speed with which it is possible to send data to the computer. The speed at which you can send data, can be compared with the data stored in the storage device, and if this rate is lower than the data rate, characterizing the desired memorized speed, then make access to alternative accounts. This can be, for example, document AOGT, which is stored at the location in the apparatus. Other implementation may include programs that take into account the size of the recording PGT and forwarding rate when determining the speed of shipment. These programs then determine whether to forward the record quickly in accordance with the parameters set in the configuration in the storage device, and if this is not possible, then access commit to alternative addresses. These alternative accounts can likewise check on the speed of the shipment before shipment.

Programs may also consider other factors when making decisions about access to a particular address; these factors may include, for example, day and time information, or information from sensors, for example from sensors in the field, which indicate that the other client is entrusted output volume and that may be undesirable time extend the time for conducting financial transactions, even when records can be loaded at the correct speed.

Although the described embodiments of automated banking machine and system of the present invention are given in respect of a particular type of apparatus, which is designed specifically for connectivity to local networks or networks with wide coverage, conventional automated banking machines can also be adapted to include this characteristic. In particular, the node processing documents AAGT and specialized hardware nodes, you can enter in other regular software that works in an automatic banking machine. This gives the possibility that BM can be used either in a conventional private network or as part of a network wide coverage. In addition, automatic banking machines can be configured so that they put their devices through the software interface node device of the present invention, through another interface software when working in a normal network. These devices when you are running the server on the network coverage can be switched according to the reports of devices that must pass through the server device that keeps the system configuration of the present invention.

An alternative implementation of the present invention transmits messages about the financial operations used in the private network BM. This can be done using OSHI in connection either with the host processing documents AOGT BM, or with a private server PGT, or to another server. OSHI acts in connection with the conversion program messages and database to collect the necessary data from documents AAGT and response messages and for the formation of specific messages request a financial transaction corresponding to this private network financial transactions. Similarly, the program converts messages and OSHI accept messages function command from the private network and convert them, and form the relevant documents AAGT and/or messages POPD/PI to use the ATM. Because these formats private network is defined and the data required for the formation and interpretation of messages is known, is provided the use of the BM 12 directly on the private network BM.

Regular reports on the financial operations of the BM are messages of a specific format, which does not contain the documents AOGT messages PGT. An example of a regular messages used for BM are the RIAT including the input data of the customer (the account/PIN) and indicate the type and amount of the requested financial transaction. Request message take the main computer of the BM, which sends back a response message with a specific format, which contains guidance on the permissibility of this financial transaction. Then BM returns another message in the main computer, which indicates, did the machine to perform a financial transaction. The messages used in these conventional private networks, typically occupy a relatively small bandwidth.

When connecting the BM of the present invention to such networks include the server. The server is in operative connection to a storage device that contains a database in which the stored data document conversion and data and create documents. In one configuration, the server is connected to the node processing documents via the network or the server may be located in the computer BM. The server generates the documents to which access does browser which may contain commands devices for conducting financial transactions. The server (or the server is connected) ordinary shares messages with the main computer. One server can provide the ver, working in it.

The ability of the BM 12 to communicate with the private network also allows BM to work in such order as the interface formed their own institution user according to the description mentioned above, but in which financial transactions are allowed in messages sent over a private network BM. This ensures the security of using a private network and providing customer benefits the familiar interface of their own Bank and/or interface “personal own page.

In this configuration, the device BM functions to perform financial transactions can work in the usual manner in response to normal messages BM on financial transactions, such as Diebold 91X in a private network. Client output device, such as screen image (and the speakers, if any, are communicated through a browser connected to a local network or wide coverage. The browser accesses the documents in the Commission of a financial transaction to give hints, but the documents do not contain commands that operate devices such as the mechanism of delivery of cash.

In one configuration, the browser can be run from the computer in response to a hundred is user can pass to the selected address, including addresses, which belong to the client based on the data entered by the client. But because the documents received by the browser, not actuate the device functions to perform financial transactions, there is less necessity for measures for facilitating secure access to documents. As a result, the client can work with the device in response to familiar and special interface; and marketing information, such as advertising, or other material, can be represented in the implementation of the financial transaction.

In other embodiments, the exercise apparatus can perform some functions of the device based on the normal messages, while other functions may be performed in response to commands in the documents AOGT or other messages PGT. For example, documents AOGT can provide significant data for use in printers or other output devices. Some exercise can make access to documents using commands, but may also not respond to some and to respond to others. This method may be elected by the operator of the system by configuring the software based on their needs.

Another advantage of conmen messages related to BM. The control program of the device 68 preferably generates status messages about the status of the device 36. These status messages can usually provide information about the conditions that are present in the device. These messages may indicate that the reserves for printers or stocks of banknotes exhausted or too small. Other messages may indicate that the device is not functioning properly. Often these messages indicate that BM needs maintenance. All of these types of messages are referred to here as status messages or error messages.

Software host interface devices 64 communicates through the internal network 16 using message PWD/PI. Although described above messages relating to financial transactions, refer to the device server 92, software node 64 may include a server and can be configured for addressing status messages and fault messages to other addresses in the internal network or the Internet. For example, these fault messages or status messages can be sent in application software system that delivers messages in the organization of the C character specified fault. For example, the failure message indicating the need to Deposit cash or paper, can be sent to the address in the internal network connected to the one who is responsible for the replenishment of these reserves. Any fault messages that indicate the need for maintenance of other types, can be sent to the address belonging to someone who can provide the required service type.

Either by proper configuration of the device server 92 can perform selective dispatching of fault messages to addresses in the internal network 16. In addition, any software node 64, either the device server 92 may send fault messages from the BM into the system of a fault, such as software System Troubleshooting” company “Diebold, Inc.”. This software recognizes the nature of the defective condition and notifies appropriate personnel about the need to take action.

BM 12 may also contain a software function to diagnose problems and provide fixes malfunction of the service. In accordance with the graphical representation in Fig.2 alternative osushestvleniu 109 configure for adoption status messages device and to generate records PGT, includes responsive to the documents AOGT that provide data characterizing the status of the device, the diagnostic device 110, such as a portable computer terminal. The server 109 includes OSHI to interface with the software of the device, resulting in a technician can gain access to information in the records to which access is accomplished in addresses PGT relating to the status messages, input validation and commands Troubleshooting, via the diagnostic device 110. Write PGT and/or documents AOGT generated by the server 109 may preferably contain graphics and Autokomanda indicating such conditions as problems, and also data on the Troubleshooting and repair team.

In alternative embodiments of this invention features a mini-server PGT 109 can be in the device server 92. This, in particular, can be useful in those cases when the function device server is a computer in BM. Regardless of location functions using visual and audio components of documents AOGT related to messages about the service and diagnostics, facilitate the comfort of the status or fault conditions. Access to these records or documents can be done on the spot, according vysheizlozhennomu description or remotely. A technician using a portable computer having a web browser or other software to access the records PGT can access the documents on the site for maintenance, diagnostics and maintenance. In some situations, the client interface or the related browser can be used to access a mini-server PGT or to a single browser display or input device in the device that are intended for serving actions. Or fault messages or status messages can be controlled from a terminal located in another place and connected to the network. Status messages and messages of malfunction to work with a mini-server PGT can also be configured to send e-mail or send a similar message to the selected address whenever there is a specific state or group of States.

Another advantage of this characteristic is that the message PPGT you can also send in mini server PGT to solve problems. These messages may include run disani and other hazards. This can often be done from remote locations. Of course, in those cases where there is a significant risk of unauthorized access messages on concealment of the operation of the server or messaging devices, it is necessary to take appropriate measures of protection.

Write PGT, which indicate the status of device functions to perform financial transactions can have different shapes depending on the configuration of the software and the needs of the system operator. In some implementations, the status information of the devices to one or more devices may be represented by characters contained in the data object. The data object can be sent to other connected computers to provide status data. Sending the data object can be accomplished, for example, by way of a remote call. The data is then forwarded in the data object can be used to generate messages and/or output data necessary for the system operator. This method may be particularly useful when the operator wishes to connect the device to the existing regulatory system, as contained in the object data characters can be used to generate output data or messages indicating the statue of communication between existing control systems and devices financial transactions, which (AIDS) have different statuses status or different types of message formats. This includes devices that have a different device types and characteristics of functions to perform financial transactions.

The method of forwarding a data object can also be used for testing or modification of device functions to perform financial transactions. For example, signs in the data object can be modified during maintenance, and the object can be sent back to the device. The software in the device can instruct the device functions to perform financial transactions to get to work, or change the terms or programming in response to the modified data object. For example, this may include removing the indication of the existence of a fault or the actuation of a device in order to eliminate lockups or testing. The results of these actions can be reflected in the modified characters in the data object, which can then be sent to the computer in diagnostic terminal. Of course, the described technical solutions are examples, and other technical solutions will be obvious to those skilled in the art from Isla the active variant implementation of the automated banking machine of the present invention. The implementation according to Fig.25 contains an automatic banking machine, specifically made to work in conjunction with conventional automated banking machines, such as systems that use message formats Diebold 91X ATM or other normal formats that are not PPGT. The main computer 120 is a conventional main BM, which communicates with these messages. The host computer communicates with the front-end server, schematically shown under the position 122. The front-end server 122 acts set forth above and operatively associated with the storage device that contains the information necessary to convert messages PGT related to this request to perform a financial transaction, the request message H or other conventional message that can handle your primary computer 120. Similarly, the front-end server 122, and commands and data stored in the storage device, convert a normal message commands 9IX or other message commands from the host computer 120 in message PGT, which may use the automated banking machine to run this command. Similarly, the parathas on the team, and generates a response message H or other normal response message to the host computer. When performing these functions, the front-end server communicates via the client interface 124, which in the preferred implementation is a connector Somme and valid banking terminal apparatus in the operating environment of Windows NT. The front-end server 122 also contains a gateway commands/status 126. Gateway commands/status accepts messages commands and status from the software sites that work with the functional devices in the apparatus. Messages related to the device used to generate reports of financial transactions that are sent back to the primary computer 120. In addition, the host firewall transition command/status also generates a status message indicating the status of the devices that can be reported to the host computer.

The front-end server 122, the host firewall transition command/status 126 and the client interface 124 can be programmatically terminal automated banking machine. In this configuration, the target device from the point of view of the main computer is a conventional apparatus. Either interface is how the host client interface 124 may be located in the target device. This allows the front-end server 122 to process a number of automated banking machines by connecting devices to the front-end server through the network.

An alternative configuration system for automated banking machine of Fig.25 specifically made for use in connection with the existing system BM. The device includes a processing unit documents AOGT 128, which contains a browser operating in accordance with the described above accomplishments. The node processing documents AOGT also for simplicity is called by the browser. The node processing documents AOGT works in connection with the network 130 to provide access to records PGT in the form of documents AOGT through the servers 132, 134 and 136. For the purposes of this example, the server 132 will be treated as a server Bank, which is supported by automatic Bank machine. The node browser 128 provides access to documents of his own Bank in order to obtain content and commands for displaying information to customers and also to actuate devices in this device. The servers 134 and 136 characterize other servers, which automated banking machine can give the team access to sehroeder information you want to present to customers in the form of advertising material, such as stock quotes, or other types of information. It should be noted that the servers 134 and 136 may be directly connected to the network 130, or it can be access through other networks and servers. In some implementations the access to these servers can be accomplished via the Internet in order to provide documents for automatic banking machine.

The node processing documents 128 contains a target “theatre” host software 138. Terminal theatrical node 138 in more detail is shown in Fig.26. Terminal theatrical node 138 contains backstage frame 140, theatrical frame 142. Backstage frame 140, although it is in the browser is not visible on the screen of the automatic banking machine. Theatrical frame 142 is visible frame and governs what is portrayed to the client.

In accordance with the schematic diagram in Fig.25 node processing documents AOGT also contains the Director's termination node 144. Target's site includes Directors who are relevant examples of specialized programs used to perform certain Polivaeva above implementation.

Automatic banking machine alternative implementation also contains application services financial transactions 146. Applied financial services provides security, specifies the status of the terminal, the permissibility of the terminal and provides the basic services governance in this automated banking machine. Application services financial transactions includes a function for sending messages PGT by the interface server 122. Application services financial transactions can also set the message over the network, such as network 130 in accordance with the following explanation. Application of the financial services operations also provides the server function, which allows the application system services financial operations to perform the functions of the device server 92 described above in the implementation.

Automatic banking machine alternative implementation also provides common interfaces of the JAVA devices 148. General device interfaces JAVA in the preferred implementation are relevant examples of specialized programs that control and coordinate the work of the functional units 150 units, which perform the communication with vysheizlozhenymi implementation or types of devices that perform a function related to the financial operations. General device interfaces JAVA 148 set message with functional devices through a common device interfaces 152. General device interfaces provide an interface that controls an Electromechanical modules in functional devices contained in an automated banking machine. Common interfaces General schematically depicted in connection with the diagnostic server 154. The diagnostic server is the same as the server 109 described above implementation. Diagnostic server 154 is used in the diagnostic status and adjustment problems encountered by devices in the automated banking machine.

As shown in Fig.26, backstage frame 140 at the end of theatrical node 138 is a component called backstage specialized program 156. Backstage specialized program 156 preferably is a relatively thin film element. Commands called text driver contained in the documents, which makes the access server, selectively give the command backstage specialized program to notify atonement, which was accessed. Backstage specialized program also makes a request of what you want to gain access to a new document AOGT. Backstage specialized program also provides access to the above-mentioned shared data object of a financial transaction, which contains data about financial transactions.

Theatrical frame 143 controls user interface in the form in which the user sees an automatic banking machine. AOGT client, schematically depicted under the designation 152 in theatrical frame 142, determines the identifying marks relating to events that are sent to the control program Director through the backstage specialized program, and provides an interface with the public ways of the management of the program Director. The control program Director 160 in Fig.26 is a class that is applied to the system services financial transactions PAFO) 146. Class control program Director in the process of PAFO loads the target of Directors 144 in the node processing documents AOGT. Control program Directors also contains the class backstage specialized program that nanodispersive interface for client AOGT, in order to make queries to the control program Director. The team documents AOGT can pass events through backstage specialized program 156 to the control program Director. These events contain a request to authorize a financial transaction. These queries can also contain instructions that the client has completed a financial transaction or that the document loaded by the browser, contains commands requesting the termination of a session. Other events that can be transmitted through a control program Directors, contain the printing event. Other events that can be passed through the backstage specialized program for the operating program Director, provide an indication that the data entered were cancelled or certain other custom events.

In response to the reception of the event management program Director of the depicted implementation is triggered by commands in the documents to which access has implemented a browser, performing functions that include changing the content of theatrical frame 142. Triggered by these commands control program Directors also changes the active target class Director. Managing PR which loads the target classes of Directors and the documents AOGT from the list of available servers. The control program Director also provides access to shared data object of financial transactions that contain the data of financial transactions for specific financial transactions. The control program Director also directs the termination of theatrical events in the class behind the current control terminal of the Director and provides time relay block time limit is exceeded the display image. Of course, in other implementations the termination of the Director may perform other functions.

In the operation of an alternative implementation according to Fig.25 termination of the Director 144 in a software system services financial transactions 146 provide selective access to documents using host processing documents AOGT 128. The documents to which access may contain commands that are used for the automated banking machine and its functional devices. Application services financial transactions 146 also reports messages PGT passed to the server interface 122 and used to form messages BM that can handle your primary computer 120. Cash and other listings hundred what nccem control commands in documents access would be implemented using the browser.

In one preferred embodiment, the BM or another phone financial transactions establishes a link with the usual main computer BM through the transfer of object data of financial transactions between the computer in the BM and the front-end server. This shipment is preferably carried out by the characteristic way remote procedure call messages in the software tools, such as JAVA. Of course for forwarding, you can use the file object data using PGT.

In accordance with the above financial data object contains data of financial transactions. The apparatus receives data related to financial transactions, such as account data from the card LIN of the client, the requested financial transaction(s) and amount(s), and stores the data including data on financial transactions.

After the presentation of the data in these financial transactions is required for the formation of regular reports of financial transactions BM, object data send to the server interface. The server interface operates in connection with the database 123 or other object that contains the data conversion in accordance with schematic the aqueous request message of the financial transaction BM, which is sent to the host computer 120. A typical message may be formatted as a regular message 91 X, or other usual message about financial transactions not in the format PGT.

After processing, the host computer 120 is responsible usual response message. Components of the response message accept on the server and process the response data conversion, to form a modified data of financial transactions in the data object. These modified data financial operations preferably contain data that indicates authorized if the requested financial transaction or cancelled, and also other data. For example, if the financial transaction is rejected, they may contain data that indicate the reason for such deviation.

The object data of financial transactions with the modified data financial transactions are then forwarded to the computer that a BM by way of a remote call, message, or other method of shipment. Application services financial transactions 146, operating software, takes a data object and actuates the device functions of financial operations for reagirovanie is s financial operations through the inclusion of information related devices. After bringing the device into effect the object of these financial transactions affected by subsequent modification of data on financial transactions is passed back to the front-end server 122. Modified data on financial transactions are then used to generate messages for the main computer of the BM. The message in the main computer contains data corresponding to the modified data about financial transactions. Usually this message is a normal message, not in the format PGT indicating whether completed successfully financial transaction devices function to perform financial transactions.

The plain message of financial transactions, not in the format PGT, it is possible to conveniently change in the described implementation. This can be done with the help of removable programs. Removable program inserts the data in the object data of financial transactions and extract the data. Plug-in programs provide conversion between data of financial transactions and need regular messages in the format PGT. The use of removable programs provides a more convenient application of BM described implementation in connection with variable types of conventional Selah preferably operate for so the computer was powered browser in order to provide access to selected documents AOGT. This can be done in order to indicate that this financial transaction is authorized or cancelled, and also for access to specific documents responsive to components of the message. For example, Bank customers who are not Bank working with BM, can get some promotional materials that are not clients of the Bank. Data on financial transactions indicating the reason for the revocation of the financial transactions can be used to access documents that provide an explanation, or may encourage the client to perform another operation, such as get a cash advance on a credit card or give a request for the loan.

The system, shown schematically in Fig.25 is an example of a system for automated banking machine that provides a wide range of options of the interface using the interface AOGT, while maintaining compatibility with existing banking systems devices and related methods of protection. Of course, in other implementations, you can use alternative technical rachenitsa ability to work with software components described implementation of the present invention in existing automated banking machines. It should be noted that the processing of documents AOGT in conventional computers requires input by the keyboard location of signs type QWERTY keyboard and also mouse clicks in locations corresponding to the images or other characteristics of the documents AOGT to successfully find and use these documents. Conventional automated banking machines, as a rule, do not have a mouse or a full keyboard. Conventional automated banking machines, as a rule, have alphanumeric auxiliary keyboard similar to the telephone, and also the function keys. The implementation of the present invention provide the system with the target devices, which makes the work of these interfaces in a manner that provides the advantages of the present invention.

Fig.27 depicts an example of a typical automated banking machine that has an interface 162. Interface 162 includes an output device that contains the screen 164. Screen 164 may be a CRT, a liquid crystal display or other conventional display screen. In the depicted implementation, the screen 164 is not a touch screen as described in the previous implementation. A set of functional keys 166 is vdigit alphanumeric keys and also some specialized keys, such as “cancel” (cancel), “right” (correct) and “right” (ok). Other keys on the numeric keypad is usually empty, but in some cases can be used.

When the conventional automatic banking machine screen data that form of information stored in a storage device of the terminal, form certain on-screen image of financial transactions, which are represented graphically on the screen 164. The on-screen images appear in sequence in response to the function of financial operations selected by the client. Regular display of the image is also usually contain text or graphics that represent options that can be selected by the client. These text or graphic variants typically contain lines or other marks that reach the edges of the screen near one of the function keys 166. The user can select options by pressing a function key that you specify data-selectable option. Similarly, as in the work of the automated banking machine, the user can enter alphanumeric characters that contain LEAN, and also digital information about the amount and other commands by pressing keys on the automated banking machine converts the standard keyboard inputs BM in the operating system event, such as clicking the mouse at the desired location or enter from the keyboard type QWERTY. Software components that perform this function, shown in Fig.28-30. These functions contain specialized program keypad 170. Specialized program keyboard 170 in the described implementation provides additional specialized programs target of Directors 144. Specialized keyboard 170 provides a subset of functionality General keyboard interface devices.

Specialized program keyboard 170 coordinating server keyboard commands, which operates in a software system services financial transactions 146. The server application system services financial transactions establishes communication with a common interface device for keypad and function keys 172. Keyboard common device interface in a preferred implementation is a JAVA program, which is called the “svarachivaem” for the shared interface device relating to the function keys and the numeric keypad.

The software also contains a program to display the keyboard 174. The program display clavatum preferred implementation of the program display the keyboard is a continuation of keyboard class objects, used to use the keyboard. The program display the keyboard remembers the set of keyboard mappings in the database 176. This is implemented by reading the information in the configuration database for BM to get the display keyboard operating in a particular apparatus. In the program display the keyboard selects one of the images of the keyboard as the current version. This is done in response to a specific keypad and is based on the commands in the records PGT, which provide selective access. The program display keypad can choose to display the keyboard in response to the documents AOGT downloaded through the browser. The program display the keyboard also actuates a keypad and function keys that meets the specific configuration of the display keyboard. The program display the keyboard also acts in response to the selected configuration of the display keyboard to convert the input signal of the auxiliary keyboard or input function keys in the corresponding keyboard input or mouse, which will then bring in the TS software.

In the preferred embodiment, each display keyboard consists of randomized tables. Objects display keyboard remembered as the values in the randomized tables, with the result that each object contains values and operations needed to transform any relevant key events of the BM in the input event of the operating system.

It should be noted that in the case of the function keys near the display image in the BM may be desirable to provide mouse input in the input stream mouse that corresponds to a specific coordinate location of the mouse input. This is ensured by using the display keyboard, using the selected set of keyboard mappings. Different sets of mappings keyboard actuate different function keys to provide different types of inputs into the operating system of the computer, responsive to the document AOGT displayed in the browser. Further, as a result of the program display keyboard pressing a key generates an input corresponding to a mouse click on the selected position of the x, y coordinates on the display image. It should be noted that for Fermi. Similarly, the inputs of the function keys can be converted into the inputs of the keyboard. In some implementations, however, it may be desirable to turn off the indicator mouse on the on-screen image, then the user will not see the usual image of a mouse. In some implementations it off may include reducing the size of the image the mouse is so small, that may not immediately be seen by the user of the device.

During some stages of the financial transaction required the user presses any of the keys may not be. In these situations, some preferred embodiment of the present invention off the keys of the auxiliary keyboard and/or function keys. Because computer resources are used to survey these keys for inputs, the termination of this survey during the relevant periods of time causes the switching resources of the computer to perform other functions. This will increase the speed with which you can perform other actions. This can be done in some implementations through a specialized program auxiliary keyboard removing the keyboard device per polling is Anna program keypad. Fig.29 depicts an example of input in the auxiliary keyboard 168. In this example, the specialized program keypad 170, mainly in response to commands in the record PGT, such as documents AOGT or other events, transfers and sets in motion events in a software system services financial transactions 146. In response to this display keyboard select from the database 176 corresponding to a particular name display. Server keyboard commands also activates the corresponding key of BM.

In this example, in response to the push client “OK” button on the numeric keypad common interface device generates a corresponding signal in the applied system services financial transactions. From the image in Fig.27 it follows that the key “OK” is correlated with the key “J” interface BM. Application services financial transactions transmits a signal generated by pressing “J” client in the program display keyboard 174. In response to receiving this signal, the program display the keyboard allows the object in the set of mappings corresponding to the name mapping, which converts the input signal function keys the C imagery keyboard input signal is generated and delivered into the keyboard stream computer. It presents the keyboard stream 178. In the depicted implementation, the keyboard stream is input into the operating system Windows NT. Specialized program keypad 170 detects the input through its discovery of a key. Specialized program 170 also receives the event and can display an image or other graphics corresponding to the input made by the client.

Fig.28 depicts the program display the keyboard in situations when the application system services financial transactions to prevent the transmission of the data entered by the customer in a specialized program 170. This may be desirable, for example, in situations where the input made by the client, is LIN client or other data that should not be displayed. In these circumstances, application services financial transactions 146 stores the data entered by the client, and sends back to the browser only signal that represents the sign of remembering, in this example, the symbol “*”. This is done selectively in response to commands contained in the documents, which was accessed by a browser, or other records PGT, access to which is carried out kompyuter. In the example of Fig.28 in the browser through the program display keyboard transmit only the sign of remembering. In situations when the record PGT to which accessed, causes the ways in which digital values must be sent to the browser and/or displayed on the screen image (such as the sum of the financial transaction withdrawal), the signal is directed application system services financial transactions, specifies a numerical value related to the key.

Fig.30 is another example of the program display keyboard: in this case, the input corresponds to the function key 166. In this case, the input is made by pressing function key “A”, which is shown near the upper right corner of the screen in Fig.27. The signal generated in response to pressing this softkey, refer to the program maps the keyboard, which - in response to data received from the data storage 176, - displays the mouse input corresponding to the mouse click. The mouse input contains data describing the coordinates x and y on the screen the image on which you must click with the mouse. Input from the mouse is sent to the input stream from which encompasses documents AOGT, make it work with normal BM interface, the mouse input usually contains a coordinate location that corresponds to a location on the screen image near a specific function keys. This is because the image, line, text or other characters chosen by the customer by pressing the key will be preferable to receive or continue to display the image near the keys. Thus the client with a visual representation becomes known which key should be pressed to make the appropriate choice. A number of functional keys near the display image can work at any one time. The customer may make a selection by pressing the function keys in one location and then function keys in another location outside of the first location. As a result, the signals will be routed to the stream from the mouse in accordance with mouse clicks on the coordinates of the screen near the function keys, press the client. During the financial operations of different combinations of the function key and key keypad can act and tobagotobago. In addition, developers can develop a special set of mappings corresponding to that particular display graphics in documents PGT.

In this way, the inputs of the auxiliary keyboard in the keyboard normal BM or other automated banking machines can be converted to normal inputs from the keyboard or mouse, which can be identified and processed in the usual keyboard input stream or the input stream from the mouse to the computer. Similarly, the function keys can be converted to the inputs from the mouse in the selected locations and to deliver in the input stream from the mouse to be processed by the computer or you can convert them to keyboard inputs and deliver in the keyboard input stream. Another advantage of the described configuration of the terminal is that the keys can be selectively turned off at the time when they are not needed. Thereby, it is possible to reduce the number of cases of attempts of unauthorized access to the device by pressing a key on the keyboard. Also, as mentioned earlier, you can disable the keys, when they are not needed to speed up the processing of financial transactions.

Another advantage of embodiments d is s documents on the basis of the commands in the documents AOGT. These printed documents may be tickets, traveller's cheques, money orders, Bank checks, temporary payment of funds and other types of documents. The possibility of a preferred implementation can access the documents AAGT and process them, allows you to print graphics or other marks that can generate printed documents having the selected external characteristics and the selected decoration. It can lower the need to use pre-printed forms and also allows you to print more diverse range of printed forms. In this configuration, some implementations of the device allows you to print only selected pieces of information about financial transactions in order of the records in the apparatus and at the same time provide options, including enhanced graphics, or other attractive to customers specifications.

Fig.31 depicts a schematic representation of the operation of the system when printing forms using the printer in an automated banking machine. The preferred form of the invention uses the WIN32 printer, which operates in a Windows NT environment 4.4. In the depicted in quality the Central node 138, initiates the printing of the receipt of the financial transaction by sending a request to the Director of the printer 182 to print a receipt. The Director of the printer in one preferred implementation is a collection of examples of relevant JAVA commands that perform operations of printing, and is one of the Directors among target of Directors 144. The Director of the printer contains the class of printing, which is schematically depicted separately and which causes way EWAR of printing. Class printer in the preferred implementation includes access to shared data object of financial transactions that contains client-specific information about financial operations, including signs characterizing information subject to printing. In the case of an automated banking machine that may be an example of signs that characterize the information read from the input apparatus from the customer card and read by a reader card. For example, it may be a customer name and account number. Other information on financial transactions can contain types of performing financial transactions, such as Deposit, withdrawal or request for size balance and also the amount ucare for printing and sends the sequence EWAR in the printer 184 WIN by using method of printing EWAR. Address EWAR in one preferred implementation is the address of record PGT, such as document AOGT that will be used to format subject to printing a document, in which case the receipts. This document AOGT contains a built-in text driver JAVA, which handles the financial operations of the object data of the financial transaction. Address EWAR document can reside in the local machine or you can get a sample from another server, such as network 186. Network 186 may be a local network or network wide coverage depending on the configuration of the device.

The printer 184 WIN then finds the address of the document to which access should be implemented. It is done in the preferred implementation using daemon Web Browser2 ActiveX Microsoft”. After loading the document, AOGT way ActiveX automatically begins processing the content of the document, access to which is provided. Application services financial transactions 146 invokes a method of printing EWAR printer WIN 184. The printer uses WIN ActiveX control program for printing the current document AOGT. This process of printing is handled by the program paging printing and graphic atania 192, which indicates the completion of the swap for printing. This indicates that the file is now ready to be read and sent to the General interface devices 188 printer receipts.

Then the printer object 190 causes the function to read data from the Manager, printing 192 to determine the location and size of the file of the print data. The printer object 190 sends the data or the path name of the data file into a common device interface 188 printer. Public interface printer 188 then transmits the print data to the printer apparatus. In the result, print the document.

After printing the receipt specialized program from the Director of the printer 182 makes a request for delivery of a printed receipt. The delivery request is sent through the application system services financial transactions 146 in the printer object 190. The printer object 190 causes the delivery method in the public interface devices 188 printer to deliver a receipt to the user device. The action of the components of the software allows selective access to the document formats and also selectively use the commands contained in the documents, to include details of financial transactions in printed documents is Catania different types of documents for different clients. This may be desirable when providing marketing information, coupons or similar marks on the receipts of financial transactions. This solution also facilitates the delivery of printed formats in different languages through the development of documents AOGT that provide printed forms in different languages. In addition, the methods of this invention can be used to provide marketing for clients based on certain characteristics or types of categories of clients and also on a consolidated basis.

Although the described above method of printing is characterized in connection with the delivery receipts on financial transactions, similar methods can be used for printing balances for customers and also for the printing of the journal of financial transactions in an automated banking machine. By accessing selected documents that control the print format information log records can provide consolidated information in such a way to save “coffee” paper in the apparatus by eliminating the printing of the advertising information and other information provided on the document.

The method of printing according to this invention that is of ivania, which you can use for printing coupons, cheques or similar documents. This encoding may facilitate the tracking of the use of these documents by clients in order to assess the effectiveness of various marketing activities. In addition, signs machine reading can be used for printing their documents such as envelopes, Deposit and/or the log of financial transactions. This printing may facilitate reading of these documents, the machine checks the content of the deposits.

Characteristics of printing provided by the methods of the present invention also provides the possibility of printing the selected graphic materials. This may include material samples, including built-in digital signatures that can be used for authentication of printed documents. This can be especially useful, for example, in situations where the apparatus is used for printing temporary cash, traveller's cheques, coupons bets or other documents that have independent value. In addition, full-color printed documents can be generated, if to provide, in apparatus of the financial operations functioning zwear of the present invention and connected computers can be downloaded from devices of different types into the respective computers. This computer software may be stored in and loaded from one or more devices, such as floppy disks or CD-ROMs. This software can also be contained in devices such as hard disk drives, tapes and devices ROM. Other devices that contain data describing commands to actuate computers described herein is a method suitable for use for the operation of the apparatus of financial operations and systems in accordance with implementations of the present invention.

Given as examples of embodiments of automatic banking machines and systems described here are given with reference to specific components and features of the software. Other implementation of the present invention may include other or different from the described software components that provide similar functionality.

Thus the new automated banking machine and system of the present invention provide specified above objectives, eliminate difficulties encountered when using the devices and systems of the prior art, reauy used for brevity, clarity and explanation. But of these terms any unnecessary limitations should not follow, because these terms are used for illustrative purposes and are subject to wide interpretation. These descriptions and explanations are given here as examples, and the invention is not limited to the described details.

In the following claims any specified characteristic described as a means of fulfilling a certain function should be interpreted as including any tool that is able to perform a specified function, and is not considered limited to a particular tool mentioned mentioned above in the description, or equivalents.

After describing the features, discoveries and principles of the present invention, the method of its construction and operation, provide benefits and achieved useful results, the new and useful structures, devices, elements, arrangement, parts, combinations, systems, equipment, operations, methods, processes, and relationships are set out in the attached claims.

Claims

1. Automatic banking machine to perform financial transactions, containing ustrade device, running in the computer software that contains the browser, and the software is designed to access a computer to at least one document in a hypertext markup language (HTML) browser, the HTML document contains at least one command of the document, the software is designed to enable the computer in response to a command to access the command issuing at least one address of the hypertext transfer Protocol (HTTP) with this computer in response to the command issuing actuates a device issuing banknotes to implement the issuance of banknotes.

2. The apparatus according to p. 1, characterized in that the software is designed for computer access through HTTP browser.

3. The apparatus according to p. 1, characterized in that it contains the server through which you access the program applet at the same address HTTP, and you issue commands delivered from the server to the computer.

4. The apparatus according to p. 3, characterized in that issue commands include a JAVA applet.

5. The apparatus according to p. 3, characterized in that issue commands include file the data signature, when this issue commands contain data corresponding to the signature, and the software enables the computer to carry out a comparison of the signature data from the signature, the computer actuates the device issuing banknotes in response to a predetermined relationship between the signature data and the signature.

7. The apparatus according to p. 1, wherein the storage device contains data address, and the software restricts access via a web browser in response to the address data.

8. Automatic banking machine to perform financial transactions, contains a device for conducting financial transactions, computer, operatively associated with a device, make financial transactions and with the storage device, executed in the computer software that contains the browser and execute computer access at least one HTML document with a browser, the HTML document contains at least one command of the document, the software enables the computer in response to a command to access the command actuation device coversa effect devices for conducting financial transactions actuates a device for conducting financial transactions.

9. The method of providing automatic banking machine to perform financial transactions, comprising the steps of (a) actuation of the browser in the computer in the automated banking machine to provide access to the HTML document containing at least one team of document devices for conducting financial transactions, (b) operating the computer in response to a command document devices for conducting financial transactions for accessing the command actuation devices for conducting financial transactions at least one HTTP and (C) actuating devices for conducting financial transactions in an automated banking machine in response to the command actuation devices for conducting financial transactions.

10. The method according to p. 9, characterized in that it includes the steps of storing in a storage device, operatively associated with the computer, the signature data, comparing the signature contained in the command actuation devices for conducting financial transactions with signature data to establish a predetermined ratio between them at this stage (C) is performed in response to the establishment of a preliminary step is the step (b) computer accesses the same address through HTTP browser.

12. The method according to p. 9, characterized in that in stage (a) command document devices for conducting financial transactions contains a pointer to the address of HTTP.

13. The method according to p. 9, characterized in that the actuating devices for conducting financial transactions contains a JAVA applet.

14. The method according to p. 9, characterized in that the actuating devices for conducting financial transactions contains the Active file-X.

 

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FIELD: formation of payment documents.

SUBSTANCE: the information meaningful for the payment document is introduced in the computer of the financial settlements and check-out center, the payment document is formed in the form a text and the first dot-and-dash code line and introduced in the electronic data base, the document is displayed for payment to the payer, the payer introduces the information on the quantity of consumed resources and the sum of payments to the document according to the acting tariff rates, these data are introduced in the cash register of the payment reception center with the date of payment, types and sums of payments, these data and the second dot-and-dash code line with these data on the document are represented by means of the cash register, it is sent to the financial settlements and check-out center, the first and second dot-and-dash code lines are read out, the information is compared with the electronic base, entered together with the information on reception of the payment in its electronic data base.

EFFECT: automated formation of documents with due account made for payments determined by the floor space, quantity of people living there and the quantity of the consumed resources.

8 cl, 1 dwg

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