MXPA02000701A - Automated banking machine system and development method. - Google Patents

Abstract

A method for visual programming an automated transaction machine (12). The method includes the creation of terminal directors (225) that generally correspond to transactions performed by the automated transaction machine. The terminal directors are programmed byvisually creating associations (238) between a plurality of ATM objects (230, 232) in a workspace (224). Exemplary ATM objects include an authorization object (260), a back stage control object (262), a card reader object (264), a customer profile object (266), a depositor object (268), a dispenser object (270), keypad object (272), a logic object (274), an OCS object (276), a presenter object (278), a PIN entry object (280), a printer object (282), a sync object (284), and a transaction data object (286). The customer profile object is operative to retrieve customer profile information responsive to a determined customer of a person using the ATM. A portion of the exemplary ATM objects are operative to interface with a device interface layer (728) for communicating with physical hardware devices (724, 726). The device interface layer is operative to retrieve rules (721) and capability features from a data store (720) for automatically switching between two or more different devices of similar type when one of the devices becomes inoperative.

Description

AUTOMATED BANKING MACHINE SYSTEM AND DEVELOPMENT METHOD TECHNICAL FIELD This invention relates to automated banking machines. Specifically, this invention relates to an automated banking machine system and apparatus that are capable of being used in a wide area network, which provides a user with a familiar interconnection from their home institution in the banking machines operated by other institutions, and which provides higher optionals for machine outputs.

ANTECEDENTS OF ART Automated banking machines are well known. A common type of automated banking machine used by consumers is an ATM machine. ATM machines allow customers to carry out banking transactions. The common banking transactions that can be carried out with the ATM machines include the cash assortment, the deposit receipt, the transfer of funds between accounts, the payment of invoices and balance balance questions. The type of banking transactions that a client can carry out is determined by the capabilities of the machine l?,? * A? .iJh u, ^ t ^ Ji? ¡* N m ¡É *, »« & _ particular bank and the programming of the institution that operates the machine. The other types of automatic banking machines can also allow clients to charge against accounts or transfer funds. Other types of automated banking machines can print or stock items of value such as coupons, tickets, wagers, receipts, checks, food stamps, money orders, traveler's checks. For the purposes of this description, an automated banking machine or an automated transaction machine will encompass any device that carries out transactions including value transfers.

Currently, ATM machines are operated in proprietary communication networks. These networks interconnect ATM machines operated by financial institutions and other entities. The interconnection of networks often allows a user to use a banking machine operated by another institution if the banking machine of the foreign institution is interconnected with the network that includes the user's institution. However, when the customer operates the machine of the foreign institution the customer must operate the machine using the customer interconnection that has been established by the foreign institution for its operation machines. In addition, the user is limited to < ai the transaction options provided by the foreign institution.

A customer may encounter difficulties when using a machine from a foreign institution. Problems may occur because the user is not familiar with the type of machine operated by the foreign institution. Confusion may result because the client does not know what buttons or other mechanisms to operate to achieve the desired transactions. The transaction flow for a customer in a foreign institution machine can be significantly from the machines operated by the user in a domestic institution. This can be particularly a problem when the user is from another country and is not familiar with the type of machine or the language of the interconnection provided by the foreign institution. Similarly, documents which are printed by printers in an automatic banking machine are generally limited to a limited group of formats defined in a single language.

A foreign institution can also provide different types of transactions that the user is familiar with in their domestic institution. For example, the user's domestic institution may allow the transfer of funds between accounts through their machines Automatic bank accounts, to allow the user to hold funds in accounts that give a higher interest until they are necessary. If the foreign institution does not provide this capability, the user will be unable to do this when the foreign machine operates. The lack of ability of a user in a foreign machine to carry out the transactions to which he is accustomed can present problems.

The networks that operate ATM machines and other types of automatic banking machines usually operate proprietary networks to which access is restricted. This is necessary to avoid fraud or damage with the network of user accounts. Proprietary networks are also generally used for the transmission of credit card messages and other financial transaction messages. Access to such credit card processing systems is also restricted primarily for security maintenance purposes.

Communication between wide area networks allows messages to be communicated between different places. The best-known wide area network is the Internet which can be used to provide communication between computers throughout the world. The internet has not been widely used for financial transaction messages because it is not a system insurance. Messages attempted to receive a particular computer address may be intercepted at another address without detection. Because messages can be intercepted in places that are different in the world of the intended recipient, there is a potential for fraud and corruption.

Companies are beginning to provide approaches to ensure more transmission of messages on the internet. Coding techniques are also applied to internet messages. However, the openness of the internet has limited utility for the purposes of financial messages, particularly financial messages associated with • the operation of automatic banking machines.

Messages on wide area networks can be communicated using the internet protocol / transmission control protocol ("TCP / IP"). U.S. Patent No. 5,706,422 shows an example of a system in which the financial information stored in the databases is accessed through a private wide area network using the transmission control protocol messages / internet protocol. Messages transmitted on such networks which use the transmission protocol / internet protocol may include "documents" (also called "pages"). Such documents are produced t »t. * ~. **? .. M? * A ** .. afc ^. -_ ... i &m ^. ^ - ^, ---. »- ^^ s. ^ -tJ -. - .......-- ^ r ^^^ *? ^ ?? ^ * káM in a Hypertext Markup Language ("HTML") which refers to the tagging language here being a type of programming language used to produce documents with commands or "tags" there. Tags are codes which define characteristics and / or operations of the document such as stacks, displays, embedded graphics and hypertext links. The markup language documents, such as the hypertext markup language documents are processed or read through the use of a computer program referred to as "observer". The labels will tell the observer how to process and control what is seen on the screen and / or heard in the speakers connected to the computer that the observer is running when the document is processed. The hypertext markup language document can be transmitted over a network through the Hypertext Transfer Protocol ("HTTP"). The term "Hypertext" is a reference to the capacity of embedded links in the text of a document that allow communication with other documents which can be accessed in the network.

Therefore there is a need for a system and an automated banking machine that can be used in a wide area network such as the internet while providing a high level of security. There is also a need for an automatic banking machine and a system which provides a user with a family interconnection and options for «A; - ~ * j- faa-.Au *« «. transaction of your domestic institution when it operates in machines of foreign institution. In addition, there is a need for a machine which can provide more transaction options and promotion types and printed materials to users. 5 DESCRIPTION OF THE INVENTION It is an object of the present invention to provide an automated banking machine in which a user can carry out transactions.

It is a further object of the present invention to provide an automated banking machine that can be operated through connection to a wide area network. It is a further object of the present invention to provide a system and an automated banking machine that provides a user with a family interconnection and transaction options of their domestic institution in the 20 machines operated by foreign institutions.

It is a further object of the present invention to provide an automated banking machine that communicates using the hypertext markup language documents and the 25 messages of transmission control protocol / internet protocol. llLAa.Aj i.-k *: * ... ... --- i - *., -, It is a further object of the present invention to provide an automated banking machine that allows the connection of the banking machine to the domestic institution of the user through documents of markup language and messages of transmission control protocol / internet protocol generating response to indications about a card entry by a user.

It is a further object of the present invention to provide a system and an automated banking machine that achieves transactions over a wide area network while maintaining a high level of security.

It is a further object of the present invention to provide a system and an automated banking machine that controls the connection of the banking machine to foreign addresses through a delegated server.

It is a further object of the present invention to provide an automated banking machine that limits the operation of the devices in the machine through a local device server.

It is a further object of the present invention to provide a system and an automated banking machine that is operable through the connection to the internet.

It is a further object of the present invention to provide an automated banking machine that can be used to provide a user with more types of messages including messages focused on particular users.

It is a further object of the present invention to provide an automated banking machine which is capable of providing users with a wide variety of printed documents.

It is a further object of the present invention to provide an automated banking machine which provides additional options for identifying authorized users.

It is a further object of the present invention to provide an automated banking machine that can be used in connection with existing transaction systems while providing increased functionality.

It is a further object of the present invention to provide an automated banking machine which provides enhanced service and diagnostic capabilities. Í? ? Aaphta. ^ Jfa «A &g -» "^ faith. ^ ^. i * ».! *, ... *. .-. ***! It is a further object of the present invention to provide an automated banking machine which carries out transactions at a rapid pace. I It is a further object of the present invention to provide improved systems in which automated banking machines are used.

It is a further object of the present invention e. { L I 10 provide improved methods of operation for systems) f automated banking machines.

The additional objects of the present invention will be apparent from the following better ways to carry out the invention and the appended claims.

The above objects are achieved in an exemplary embodiment of the invention by an automated banking machine that includes such output devices. 20 as a display screen, and tail input devices such as a touch screen and / or a keyboard. The banking machine also includes devices such as a dispensing mechanism for money sheets, a printing mechanism, a card reader / writer, a deposit mechanism and other devices dje 25 transaction functions that are used by the machine to carry out banking transactions.

The banking machine is in operational connection with at least one computer. The computer is in an operational connection with the output devices and input devices, as well as with the leaf jet mechanism, the card reader and other physical transaction function devices in the banking machine. The computer includes software programs that are executable there. The software includes a document handling part to handle the hypertext markup language or other documents. The document handling part operates to send and receive the hypertext markup language documents and the hypertext transfer protocol messages. The document handling part of the hypertext transfer protocol is preferably in operative connection with the output device to the display screens including hypertext link indicators. The document handling part is preferably also in operative connection with the input device that allows the use of a selection and the generation of response messages from the computer. The document handling part preferably operates in relation to a JAVA software environment and has the ability to execute instructions in the JAVA script transmitted with documents.

The software in the example embodiment computer also preferably includes a device application part. The application part of -a ^ ^ ¡^^ tojaat - »fcjÉ --- i? > . ? ^^^^^ j ^ jij ^^ device includes a software that is operated to control the sheet dispenser and other devices. In the example form of the invention, the application part of the device includes a plurality of small JAVA applications for operating devices in the machine.

The computer in the example automated banking machine also includes a piece of device interconnect software. The device interconnect software part operates to receive messages from the device application part and to cause the devices to operate through the interconnections of the appropriate devices. In an example of the automatic banking machine, the document handling part, the application part of the device and the interconnection software part of the device each reside in the same computer and communicate in different IP ports.

The automatic banking machine of the invention in an example configuration communicates using the transmission protocol / internet protocol control messages in an intranet which includes a plurality of such machines. The intranet is in turn connected to at least one computer to which it is operable by a domestic institution. The domestic institution is the entity that operates the banking machines.

The computer of the home institution generally includes a domestic hypertext transfer protocol server, a delegate server, and a device server. The delegated server communicates through the intranet with the management part of the software document in each of the banking machines. The delegated server is also connectable to a wide area network, such as the internet, to which foreign servers are connected. The device server is operative to pass messages between the application part of the device and the interconnection software part of the device of the banking machines. The device server may include the monitor software which monitors and selectively limits the use and operation of the devices in the banking machine. This provides a level of security.

The system and the automated banking machine of an example incorporation is operated to place a user in connection with the institution where he has his accounts. This can be the domestic institution that operates the banking machine where the user is present, or a foreign institution which is connected to a wide area network. To operate the banking machine a user provides information and which correspond to an address, such as the URL through an address entry device. The document handling part operates to make ÍAA.?. A k - *** ~ * - - ~ < * * - á *? k the banking machine is connected to the server that corresponds to that address. This can be achieved in an example incorporation by the user that has representative indications of the address on a card that is read by a card reader in the banking machine, or another input device which identifies the user or an institution or entity with which the user has accounts.

The handling part of the document regarding the address on the card or other input data to connect through the delegate server to the user's institution. If the address of the domestic institution of the user corresponds to the domestic server, the banking machine operates in response to the messages from the domestic server. However, if the user's information entry address corresponds to an address of a foreign server, the delegate server is operated to communicate through the wide area network with the foreign server in the client's home institution. If the client makes the machine connect to a server operated by a foreign institution, the documents sent from the foreign institution correspond to those normally provided by the foreign institution. As a result, the client is familiar with the interconnection produced by these documents and will be able to operate the banking machine more easily.

The foreign server or the domestic server operates the banking machine by sending documents that include instructions which allow the operation of the devices in the banking machine. The instructions are transmitted from the document handling part to the application part of the software device, which operates the devices in response to the instructions. The instructions from the application part of the device to the devices in the automated banking machine are passed through the device server of the domestic institution. This helps maintain security. In addition, the legacy server can include scrutiny software which limits the foreign servers that can be connected to and operate the banking machine. This is mentioned as a "wall against fire".

Embodiments of the present invention also provide for increased user interconnections and the printing of a wide variety of documents with the banking machine. The invention also allows achieving an increased function while using the automatic transaction machines and the existing transaction networks. t ^^ t- *? ?, Jt »it ?? , l.,.? * l * aLM ¡. . ** > ... you*. »A **» J ^ "'* ifc1 ^ tf ^ -, s ^, r-'Ji' ^ '^^^ --fc- BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a schematic view of a network configuration including an example embodiment of the automated banking machine apparatus and the system of the present invention.

Figure 2 is a schematic view of the example embodiment of an automated banking machine of the present invention.

Figures 3 to 24 show schematic views of the automatic banking view, an intranet that connects the banking machine to a computer system of a domestic bank and a wide area network that connects the computer system of the domestic bank to a foreign bank.

Figures 3 to 18 show schematically steps in a transaction carried out in the banking machine with the computer system of the domestic bank.

Figures 19 to 24 schematically show the steps in a transaction carried out in the banking machine with the computer system of the foreign bank.

^ L LA Figure 25 is a schematic view of a network configuration including an alternate embodiment of the automatic banking machine of the present invention.

Figure 26 is a schematic view of the tables in the handling portion of the hypertext markup document of the alternate embodiment of an automatic banking machine shown in Figure 25.

Figure 27 is a schematic view of a client interconnection of an automatic banking machine and of the function keys and keyboard keys included in the interconnection.

Figures 28-30 schematically represent exemplary steps in converting the function key and keyboard key entries to keyboard current and mouse current inputs.

Figure 31 schematically represents the exemplary steps in printing documents with the automatic banking machine.

Figure 32 is a screen output representing combined outputs of five observers operated in an automatic banking machine.

Figure 33 is a screen output representing outputs of three observers operating in an automatic banking machine.

Figure 34 is a screen view representing the outputs of nine observers operating on an automatic machine.

Figure 35 is a screen output representing outputs of two observers operating in an automatic banking machine.

Figure 36 is a screen output that represents a visual programming environment for creating terminal directors.

Figure 37 is a part of the visual workspace that represents the event-to-method connections and the parameter connections between the ATM machine objects.

Figure 38 is a screen view representing a window for creating, viewing or modifying an event-to-method connection.

Figure 39 is a schematic representation of the objects of the ATM machine and the associated visual icons.

Figures 40-53 schematically represent exemplary ATM machine objects with associated methods, events and properties.

Figure 54 schematically represents the interaction between a consumer, the terminal manager, a database, a host and a plurality of ATM machine devices.

Figure 55 is a schematic view representative of the interaction between the client profile object and a plurality of data stores.

Figure 56 is a representative schematic view of an exemplary ATM machine that allows the ATM machine objects to determine the capabilities of the devices and the specific rules for using the backup devices when an original device is made inoperative Fig. 57 is a schematic view representative of an alternate embodiment of a machine ATM that includes a modified J / XFS core to enable ATM machine objects to determine the capabilities of the devices and the specific rules for using backup devices.

Fig. 58 is a schematic view representative of an alternate embodiment of an ATM machine that includes an increased ODS layer to enable ATM machine objects to determine the capabilities of the devices and specify the rules for using devices backup.

Fig. 59 is a schematic view representative of an alternate embodiment of an ATM machine that includes an ODS layer to provide an interconnection between a modified J / XFS core and an OSA / XFS administrator.

BEST MODES TO CARRY OUT THE INVENTION Referring now to the drawings and particularly to Figure 1, there is shown a network configuration schematically indicated with the number 10, which includes the automatic banking machine system and apparatus of an example embodiment of the present invention. The network 10 includes a plurality of automatic banking machines 12 JÉ ?? ? ? JJ-J * í .., -? ® * > ^. ^ _ i ,. £ ¿, _ _, which in the example system are ATM machines. The ATM machines 12 are connected to a computer system of a domestic bank schematically indicated with the number 14. The domestic bank computer system 14 is the computer system that is operated by the bank or another institution which has primarily responsibility for the ATM machines 12. The domestic bank computer system 14 is connected to the ATM machines 12 through an intra-network 16. The intra-network 16 is preferably a local or proprietary network that provides communication between the ATM system. computer 14 and banking machines 12 using messages in the Internet protocol format / transmission control protocol ("TCP / IP").

The messages that are communicated through the intra-network 16 in the example embodiment are preferably transmission control protocol / Internet protocol messages and hypertext markup language ("HTML") documents. In an exemplary embodiment of the invention, the hypertext markup language documents are sent through intranet 16 and include embedded object oriented programming instructions, preferably in the JAVA® format which has been developed by Sun Microsystems. Messages sent through intranet 16 can be sent in a coded or non-encrypted form depending on the nature of the system and the security needs of the domestic bank.

It should be understood that embodiments of the invention may process other forms of documents which include labels or instructions herein. For example, a form of hypertext markup language is "extended" ("XML") has recently been developed which can be used in the embodiments of this invention. For the purposes of the invention all such variant forms of language which include documents, whose documents include instructions therein, will be mentioned as marking language documents. Similarly, even when the JAVA® language is used in the described embodiment, other programming languages may be used. For example, the language Avctive-X "13 * '03 developed by Microsoft Corporation or other languages can be used in other incorporations, and it should be understood that the instructions included in the documents can be operated to make a computer have access to other documents. , records or records in other directions to obtain a program to carry out an operation.

The domestic bank computer system 14 is also connectable as shown to a wide area network 18. In some embodiments of the invention the wide area network is the Internet. In other embodiments of the invention, other wide-band networks can be used. The wide area network preferably communicates the messages in the transaction control protocol / Internet protocol between numerous computer systems connected to the wide area network. These foreign computer systems are schematically represented by servers 20, 22, 24, 26 and 28. It should be understood that servers 20 through 28 can be operated or connected to other financial institutions throughout the world. The servers 20 to 28 preferably operate by communication markup language documents and other hypertext transfer protocol messages.

Figure 2 shows a schematic view of the ATM machine 12 used in connection with an exemplary embodiment of the invention. The ATM machine 12 includes a touch screen 30. The touch screen 30 includes a display screen which serves as an output device for communication with a user of the machine. The touch screen 30, because it is a touch screen, also serves as an input device to receive input instructions from a user. The touch screen 30 is connected through an interconnect 32 to at least one computer 34 which is preferably housed inside the machine. The alternate embodiments of the invention may include other types and / or additional output devices such as audio speakers The computer 34 is also in connection with a plurality of transaction function devices 36 which are included in an ATM machine 12. The devices 36 include, for example, a reader such as a card reader / desk mechanism 38 and a reader. keyboard 40. The devices 36 further include a leaf dispensing mechanism 42 which is operated to supply sheets, which in some preferred forms of the invention are money notes or banknotes. The devices 36 also include a tank 44 for accepting deposits in a safe place in the machine. Deposits in the embodiments of the invention may include sheets such as banknotes and checks, and / or valuables housed in containers such as deposit envelopes. A receipt printer 46 for providing the transaction receipts to the customers is also included among the devices 36. A journal printer 48 is also included among the devices to maintain a record of copying the transaction information. In another embodiment other devices or other additional transaction function devices which can perform other transaction functions may be used. Other additions may include fewer transaction function devices. It should be understood that even when the described embodiment of the invention is an automated banking machine, the Principles of the invention can be employed in many types of transaction machines that do not necessarily carry out banking transactions.

Each of the devices is operatively connected to an internal control bus 50 within the banking machine 12. The control bus 50 outputs the internal messages to the particular devices. Each device has an appropriate apparatus interconnection which allows the particular device to operate to carry out its respective function in response to the messages transmitted to it on a control bus 50. The desk / card reader 38 has an appliance interconnection. schematically shown with the number 52. The interconnections of apparatuses 54, 56, 58, 60 and 62 are respectively operative to connect the keyboard 40, the leaf spout mechanism 42, the deposit mechanism 44, the receipt printing mechanism 46 and the daily printing mechanism 48 to control bus 50.

Computer 34 has several software programs that are executable there. In the example embodiment of the invention those software programs include a part of the device interconnect software generally indicated by the number 64. The interconnecting software part of the device 64 preferably includes a software device interconnect 66 which causes the computer communicates electronic messages through the control bus 50. The interconnecting software part of the device 64 preferably also includes a device manager 68. The device administrator is preferably operative to handle the various devices 36 and control their various states as make sure that they operate properly in sequence. The device administrator is preferably also operative to communicate with the objects of the software device such as to allow the operation of the devices in response to at least one object-oriented program 70. The interconnecting software part of the device 64 also includes a part of object oriented program 70, which in an example incorporation is an application written in the JAVA language. The program 70 works in conjunction with the device manager to receive messages which causes the devices to operate, and transmit the indicative device operation messages in a manner in which the devices are operating and / or receiving input information.

The device interconnect software part 64 in the described embodiment operates on a computer 34 and communicates through the physical connection of the transmission protocol / Internet protocol to the intranet 16. The physical connection can be an ISDN connection , of serial port of analog marking or other suitable connection. In the system configuration as shown, the interconnection software part of the device 64 communicates in the IP address of the computer 34 and in an IP port or socket indicated with the number 74 which is different from the other software applications. In other embodiments of the invention, the interconnecting software part of the device 64 can operate on a different computer from that of the other software applications.

It should be further understood that while in the example embodiment of the invention the interconnection part of the device 64 is software, in other embodiments of the invention all or parts of the instruction steps executed by the software part 64 may receive in a program of computer that can not be modified or in another program medium in connection with one or more computers, which are operated to communicate with the devices 36. For the purposes of the invention all those executable instructions forms will be mentioned as software.

Other software also operates on the computer 34.

This software includes the document management software which includes an observer, indicated schematically with the number 76. In an example embodiment of the invention the .--- a- -j í ??? * - ¡* ^ * "^ J« * JiA.

Document management software includes a Netscape Navigator® observer provided by Netscape Communications. However, in other incorporations, other communication and document management software and other observational software may be used, such as Hot JAVA® from Sun Microsystems or Internet Explorer "131" from Microsoft. The observers used in the embodiments of the invention can be operated to process documents and cause a computer to produce information outputs that can be used to produce visible greetings on a screen, as well as other types of signals or messages. In the observer of the embodiment of example 76, it is communicated in computer 34 in an IP port indicated by point 78.

The observer 76 is in operational connection with a JAVA 80 environment software which allows the computer 34 to run the JAVA language programs. JAVA language programs have the advantage that they can operate the same on a variety of device platforms without modification. This ability to "write once / run anywhere" makes the JAVA environment very suitable for the described embodiment of the invention. However, other additions may use different types of software programs.

The JAVA 80 environment software allows the computer 34 to execute the instructions in a JAVA script, schematically indicated with the number 82. The instructions that are executed by the computer in the JAVA text script are preferably pre-embedded JAVA script commands which are included in the documents of the hypertext markup language which are received through the observer 76. In this example embodiment the observer 76 in relation to JAVA 80 environment software which executes the instructions in the embedded JAVA script 82 , serve as a part of the hypertext markup language document management software for transmitting and receiving the hypertext markup language documents and the transmission protocol / Internet protocol messages through the IP port indicated by point 78. In other incorporations other observers and / or software can be used to manage jar the hypertext markup language documents.

The computer 34 also has an executable software there having a device application part 84. The device application part 84 contains executable instructions regarding the operation of the devices 36. In the example embodiment of the invention, the part of Application of the device includes a plurality of small JAVA applications. In the described embodiment the small applications are also preferably operable programs for controlling and monitoring the state "ftefrir i -nfttflri 'trf" * ** t * Jt ** »~? ** Lí of the devices with which these are associated. Certain small applications are also preferably operable to configure the observer to communicate the messages. Certain small applications handle security and authentic entities that employ the ATM machine.

In the described form of the invention, small JAVA applications are associated with functions such as enabling the card reading mechanism, notifying the observer when he has entered user card data, operating the receipt printer mechanism, operating the mechanism of the diary printer, enable the client's keyboard and receive data information through the keyboard, operate the sheet dispenser mechanism, operate the device, navigate to the document address, synchronize device functions, verify digital signatures, manage message coding, mixing control of assorted tickets from multi-sheet assortment mechanisms, calculating foreign exchange, and ending a transaction and instructions to the observer to return to communication with the home server. Of course in other additions, other small applications can be used to control the devices and use the data to carry out various desired functions with the machine. The application part of the device 84 communicates in the computer 34 in a port - --.- au * '-Ht'''-' - "• * a- * i-aa, JtaJ -? - i- > ~ .- ^« »^ ~ _. -j -? - ) -j «-?« »^ * a« iM <fcj..t »A..iU ---- l« t «.--« »?.? ->, IP indicated with the number 86 In the described embodiment of the invention, the application part of the software device 84 communicates its messages directly to the interconnection software part of the device 64. As explained later, this is an approach to provide increased security. However, it should be understood that the embodiments of the invention may provide the application part of the device 84 to directly communicate the device operation messages to the program of the device 70. This can be done either internally using the transmission control protocol / protocol of the device. Internet by delivering messages in a conventional manner through a queue established in the operating system of the computer that is associated with the software that interconnects with the devices or by a direct call to this software.

From the above discussion it has been appreciated that certain small applications in the application of the device 84 may correspond to devices which are not present in all ATM machines. For example, an ATM machine that operates only as a cash dispenser does not include a deposit mechanism such as deposit 44. To accommodate the situation where a user requests a transaction that is not physically desirable with the i.?. AA * Aá (¡¡¡-.- [| r JIÉ-fiin • ... * «* &..., .., ^? - tt ^ .J ^ - ri < When the ATM machine 12, the interconnection software part of the device 64 can be programmed to provide a message to the user. of appropriate response to indicate that the function is not available.

Alternatively, the interconnecting software part of the device may include a function which verifies the presence or absence of each type of physical device within the ATM machine. The information indicative of the devices present in the ATM machine can be included as part of the messages generated by the ATM machine. For example, the information indicative of the devices which are operative in the ATM machine can be included as a part or several parts of the URLs for which the messages are directed by the ATM machine. In this way, the URL on the server to which the ATM machine connects can be configured to provide only documents that correspond to the types of transactions that the ATM machine is capable of carrying out. As a result, the observer avoids exhibiting documents which include references to transaction types that the machine is not capable of carrying out. Thus, for example, a machine may avoid producing a display in response to a document which includes a reference to a deposit transaction if the machine does not include a deposit.

Alternatively, the machine may include in the memory, data representative of the functional devices included in the machine. This may include for example representative data of a plurality of devices in the machine and the configurations of such devices, or alternatively, a designator such as a sufficient number of machines to identify the capabilities of the machine. The device data indicative of the functional devices in the machine is communicated to a server and the server is operated to deliver the appropriate documents for the devices present in the machine. This can be done based on the data corresponding to the data of the device of the machine or it can be resolved from a memory that retains the representative data of the functional devices in a machine associated with a particular designator. Documents selectively delivered by the server to the machine observer will include appropriate references to the functional devices present in the machine. In the messages of alternate incorporations from the machine they can indicate the type of transaction that is being requested or other information that corresponds to devices or transaction capabilities available in the particular machine where a transaction is requested by the client. Accessed documents can be static documents or can be generated in a run time from the subdocuments or other data to provide the appropriate outputs and instructions to the output devices of the transaction machine.

Figure 3 shows the ATM machine 12 in communication through the network 16 with the domestic bank computer system 14. The computer system 14 includes the delegate server 88. The system 14 also includes a transfer protocol server of home hypertext 90. The computer system 14 further includes a device server 92. The delegate server, the domestic hypertext transfer protocol server and the device server can be included in a single computer as shown, or in other Incorporations can be separate computers. Additional servers can be operated in other additions.

The domestic hypertext transfer protocol server 90 is preferably in communication with a data warehouse and is in electronic communication with a bank office computer system, indicated schematically with the number 94. The back office computer system 94 is operated to keep track of customer debit or credit accounts when they carry out transactions in automated banking machines. In addition the back office 94 is also preferably operated to pursue transactions for purposes of achieving accommodations with other institutions which are participating in the system and whose clients carry out transactions in ATM machines 12.

As explained below, the delegate server 88 is also operated in the embodiment described to communicate through a wide area network 18 with foreign servers such as the foreign server 96. The foreign server 96 is an example of a server operated by an institution or entity other than the institution operating the computer system 14. It should be understood that even when the foreign server 96 is indicated as being operated by a "foreign" institution, this is not necessarily indicative that the institution is located in another country different from that of the institution operating the computer system 14. However, it is possible that the foreign server 96 may be located in such a foreign country, including a country in which the spoken language is different from that generally used in the country. where the ATM machine 12 is located.

The completion of the transactions using the ATM machine 12 will now be explained with reference to Figures 3-24. It should be understood that the following transaction flows described are merely f "J- | jfrite, he. -.» f, ¡? - .. «t | gi??, at -? - É-Mi-- * iat», ---;?.? - ~ ? * mm. ^ i-jawiL -. ^ eaafcLj-sfe- * fc¡aa < -i »É» «ÉBg .HiÁ i, examples of the operation of the apparatus and the system, and that the apparatus and the system can be configured and operated in numerous ways to carry out transactions.

At the start of an example transaction, as schematically depicted in Figure 3, the observer 76 communicates through the intra-network 16 with the delegate server 88. The communication is preferably established in a manner so that the language documents of hypertext marking which is intended to attract consumers to the ATM machine 12 are processed and produce outputs displayed on the digital display 30. This is mentioned here as the "attract mode". These hypertext markup language documents which are processed in the observer to produce the information outputs in the form of a screen on the digital screen 30 (and / or outputs through the output devices included in the machine) may originate from the domestic hypertext transfer protocol server 90 which is operated to deliver the hypertext markup language documents to the delegate server. The domestic hypertext transfer protocol server sends the messages addressed to the IP port associated with the observer 76, so as to make its display on the appropriate ATM machine. It should be understood that although in this example, the home server 90 is described as communicating with the ATM machine through the delegate server 88, the server 90 may in other systems be encompassed by the invention which communicates directly with the ATM machines.

A fundamental advantage of the system is that the server 90 of the hypertext transfer protocol can selectively deliver documents to the ATM machines 12 connected to the intranet 16. These documents can include messages or material tailored to the particular location in which an ATM machine 12 is located. Examples of specially made displays may include bilingual messages in certain neighborhoods or information relating to currency exchange in various entry ports. The material or messages may include advertisements for various products or services or other material focused on particular machine locations. The small JAVA applications and the JAVA manuscript are loaded from a central location providing selective software distribution in the ATM machines that can be used to make the ATM machine to its environment by causing it to have access to the documents. which include the material intended to be useful in that location, and which are not provided in documents delivered to at least some other machines in the system.

The systems of the present invention can be configured to have access hypertext markup language documents of selected machines in different directions, so that the particular documents accessed include the material focused on the users of the particular machine. Alternatively, a machine may communicate machine data indicative of its identity and / or location to a server. From the data of the machine and the data stored in an information store in relation to the server, the server can operate to deliver the documents including the target material. This can be accomplished by assembling subdocuments or otherwise generating the documents that will be delivered to the observer of the particular machine. Furthermore, it should be understood that even when in the embodiment shown the hypertext markup language documents are accessed through a server of an institution associated with the machine, the documents used for the attract mode can be accessed from other servers operated by other entities.

The digital display 30 in this example transaction sequence displays a screen which includes an icon which indicates in one or more languages that in order to start a transaction a user must touch the screen. If a user touches the screen in the area of the icon, an input signal is generated. The input signal or the protocol message - • - • -fri-ir jtiiit rl r I »> «? Ii? .tr? The hypertext transfer signal is transmitted through the observer 76 to the home address of the domestic hypertext transfer protocol server 90 with which the ATM machine 12 is currently in communication. The message generated back to the server of the domestic hypertext transfer protocol is represented by the arrows directed from the observer 76 to the intranet 16, from the intranet 16 to the delegate server 88, and from the delegated server to the hypertext transfer protocol server 90 in figure 3 .

In response to the Hypertext Transfer Protocol server 90 receiving the message indicating that the client has touched the icon on the screen, the home server is operated in response to the address accessed to send a message through the delegate server 88 (or in other embodiments directly) to the observer 76. This message preferably includes a hypertext markup document which when processed through the observer produces a screen instructing the customer to insert his card into the card reader mechanism 38. The document stream of hypertext markup language which is represented graphically in FIG. 4, preferably also includes an embossed JAVA manuscript or other instructions operating in the JAVA environment to communicate a message to the small JAVA application that responds to enable I saw? i U ** h ** at * j »,» ^. ^., »« The card reader in the application part of the device 84. In an example embodiment the instructions provide a pointer or label to the small application which executes in response to receipt of the instructions of the document. Of course in other incorporations other approaches and other software can be used.

As depicted schematically in Figure 5, in response to the embossed JAVA manuscript that activates the + > 10 small application JAVA associated with the card reader function, the small application JAVA in the application part of the device 84 communicates with the server of the device 92. The device server 92 includes a server program of the device 98 which in The incorporation of For example, it is a JAVA program that allows communication with the small JAVA applications and the device server application 100. The device server 92 also preferably includes a monitor software application 102 which is operated to monitor the instructions of the device. 20 operation of the device. The monitor software minimizes the risk of fraud or abuse in a way that will be explained later.

Returning to the sample transaction, as shown 25 represented in FIG. 5, in response to receiving the enabling card reader message from the application part of the device 84, the server of the device 92 is operated to generate a message through the intra-network 16 to the device interconnecting the software part 64 of the ATM machine 12. This message which comprises a record of the transfer protocol of hypertext including instructions to operate the card reader, is directed to the IP port indicated with the number 74 where the device interconnecting the software part 64 communicates. In response to receiving the message, the software part 64 is operative to send a message or messages on the control bus 50 which enables the card reading mechanism 34.

Continuing with the example transaction, as depicted in Figure 6, the entry of the card by the customer into the card reader 34 is operated to cause the card data to be read and the device interconnect program part 64 sends a message to the server of the device 92 indicating that the data on the card has been read. This message is transmitted by the device server through the intra-network 16 to the application part of the device 84. The application part of the device then sends a message to the server of the device requesting the card data. The device server 92 transmits a message with instructions to deliver the card data from the interconnection software part of the device 64 that responds with a message by sending the card data to through the intrared to the device server. The device server, if there is no basis for stopping the transaction, transmits a hypertext transfer protocol record including the card data back through the intranet 16 to the device application part 84.

In an exemplary embodiment of the invention, the card entry by a user or client includes indicia which correspond to an address associated with the user in the network. In such incorporation the indications correspond to a uniform resource locator address ("URL") which provides information about the computer where the information resides, as well as a directory or subdirectory which includes the user information and the name of the document or resource that includes user information. The uniform resource locator address can be encoded on a customer card. The address can be coded on lane 3 of a magnetic strip, in other places within the data of the magnetic strip or by encoding other readable indicia on the card. Alternatively, if the customer's card is an "intelligent" card which includes a semiconductor storage there, the uniform resource locator address associated with the client can be included as part of the data stored on the integrated circuit chip on the customer card.

Alternatively, a uniform resource locator can be derived from the other data on the card by accessing a database in which the address data is correlated with other data read from the card. For example, conventionally encoded magnetic strip cards are included as part of the coded account information, identifying indicia which indicate the institution or entity with which the customer's account is associated. For example, in the use of debit cards the data of the card includes "bank identification number" (BIN). The example embodiments of the invention may include in operational connection with the computer, an information store which includes data corresponding to the bank identification number or other entity data identifying associated network address data. The machine can operate to resolve a network address for the "domestic" institution of the client in response to the identification data. The machine can use the resolved address information of the card data, access the server operated by the entity with which the user has an account relationship. As the user then explains, this feature can be used to present a client with hypertext markup documents or other types of documents which provide interconnection screens and transaction flows from their family entity or domestic institution, even when the The machine that they are operating is not controlled by that entity.

As can be appreciated from the following description, the entity that owns the banking machine can be an entity totally independent of the entity with which the client has its accounts. However, the client is provided with interconnection outputs which suggests that the machine is one operated by their "bank or private entity" with whom they have an account relationship. The customer can be charged for a transaction fee for the convenience of using the banking machine. In the example additions, at least part of this fee will be shared between the client's institution and the entity that operates the banking machine which provides this capacity.

The data necessary to derive the address to access documents associated with a client may also be derived from inputs to readers or from other input devices other than or in addition to the card data, including biometric data which is input by a client to through a biometric reader device. Such biometric data may include, for example, data corresponding to one or more fingerprints, data of the user's appearance such as face or iris scanning, user voice inputs, including speech impressions or speech words. spoken key or combinations thereof.

For example and without limitation, data entry by a customer such as through a card entry to a card reader may correspond or otherwise be used to determine an address to access a data transfer protocol record. hypertext, which can be a file or a document which includes information which can be used to verify the identity of a user. This record may include data that corresponds to the personal identification number. The information may include biometric data that corresponds to the authorized user of the card. The observer can access the record and use the contents of the record such as the data and / or instructions to verify that the indications correspond to the biometric data in the record and correspond to the biometric data of the user who inserts the card. Alternatively, the input data representative of the appearance, voice, other characteristics (or combinations thereof) or other input data, may be used to generate one or more addresses corresponding to a user and the contents of the address record. accessed used to verify that the user in the machine corresponds to the user associated with the record. Numerous approaches within the scope of the invention can be used. The information in the record corresponds to a user can similarly be used to authorize certain functional devices on the machine to operate by the user while others j Jiáu. ... MM * "- IG -MÉHtr- • (i ^» > »- *! T ^ '^ - ^ í ii? ^ Tv t tá? ^^? I? Tßit? TMt? Gbttu? ÁiÁ? I For example, a user who has exhausted their credit may have access to the information in the registry that prevents them from acting the cash dispenser, while users who do not have an overdraft may include information which Allow such an operation Alternatively, the absence of information in a corresponding registry may allow the operation, while the inclusion of information selectively limits the operation of the devices.

Alternatively or in addition, in the embodiments of the invention the information which is usable for determining the identity of the client and / or its accounts can be used by a computer in relation to the machine to generate documents such as the XML documents. Such documents can be used to generate outputs of the machine presented to the customer. Such documents may alternatively or additionally include information corresponding to one or more network addresses. Such network addresses can be used to access the appropriate documents for the particular client or their transaction.

Returning to an example transaction, the card data of a successfully read card is delivered in response to the programming of the application portion of the device 84 to a small JAVA application associated with the , .... u ^^ - t, .. i, ^ «Aa, l fcL --..... notify that card data has been entered. In response, the small applications of JAVA operate to generate the JAVA manuscript which configures the observer with the URL corresponding to the data read from the card. The small JAVA application is also preferably operated to open a schematically indicated register 104 in relation to the transaction which includes the user's network address, time and other card data. This record in the sample incorporation can be stored in the memory data in an object in a software. The object is preferably used to accumulate the data when the transaction continues. The data stored in the transaction data object preferably includes the input of data through the input devices by the user as well as the data representative of the operations carried out by the transaction function devices.

The transaction or record data object provides persistence through what may be several different transaction steps executed by the client. The ability to use and share data in a number of different operations avoids the need to derive these or obtain these from a client more than once in the course of a user session involving a number of transaction steps. The use of a transaction data object enables small applications to run long in . "^ - M - Í» *. *. ** & *. independently, obtaining the necessary data from the transaction object. The transaction data object can be instantiated or accessed from several documents. Its content can also be instantiated and used to populate forms presented in the hypertext markup language documents. The record or data object can also be used to produce an appropriate record at the end of the transaction session. This record can be stored, collected on a load or delivered to selected addresses in a wide area or local area network.

In alternate forms of the invention the customer card or other item presented by the customer to the banking machine may include additional personal data in relation to the customer. Such personal data may include demographic and / or market preference data in relation to the consumer. This personal data can also be read by the card reader and stored in the transaction data object or other suitable storage. Such data may be used by the system to make focused trade presentations and / or to present other material specified for the particular client. The inclusion of personal data on the customer's card allows the customer to exercise greater control over their personal data that is made available to the machine and to third parties who make commercial presentations to the customer. Such an approach can ÍáÁ¿iií-Á,?, Í., Ini .1. »* ** * .. d &¡- * • - - - * - '* - + ~ Mittttr ÍrÍ \ be used as an alternative or as an annex to systems that use a central repository of personal customer information. This approach of following the client to control such information about him becoming available to others may be more acceptable to the clients from a privacy protection point of view.

As represented schematically in Figure 7, in the example transaction in response to the observer 76 which receives data from URL address network, the observer is operated to transmit the message through Intrared 16 to proxy server 88. For For purposes of this example, the network address associated with the card data is that of a customer associated with the home bank which operates the system 14. As a result, the customer's address will cause the message to be directed from the delegate server 88 to the domestic hypertext transfer protocol server 90 and to access the address corresponding thereto. Alternatively, in other systems the connection may be made directly with server 90 without intervention of the proxy server 88. As previously discussed, the network address may also include indicative portions of data representative of the devices which are operated in the machine ATM.

In the example transaction in response to the ii? áili-L? tiuat ?. ,. . *** á? h *. . . «," ... * _ .... ^, ^ "^ ¿- ^. - ^^ asa ^^ ^^ Aam receiving the message, the server hypertext transfer protocol 90 is the data corresponding to the address of the customer (or other data) in the cache and delivers to its IP port one observer or more documents of the hypertext markup language. These hypertext markup language documents may include a screen recognizing the particular customer by name as well as the name of the banking institution or other entity which operates in the domestic bank computer system 14.

In addition, the hypertext markup language document preferably includes the embossed JAVA manuscript which has a digital signature or means for obtaining a digital signature associated with the domestic hypertext transfer protocol server 90. The manuscript instructions included in the The document in certain embodiments makes the application part of the device that has access to a hypertext transfer protocol address in the server, which in the described embodiment is the server 90. The hypertext transfer protocol address corresponds to a hypertext transfer protocol record which includes at least one instruction and preferably includes a program such as the small JAVA application or an active file - X. The instruction is used to operate the appropriate transaction function device. The record of transfer protocol ... h _ hypertext preferably includes data representative of a signature such as a digital signature. This digital signature is received in response to the Java 82 manuscript and is processed in the device application part 84. A small Java application processes the digital signature to certify it and if this is an acceptable form it authorizes the operation of the banking machine. In certain embodiments the small application can compare the shape with the data stored in the memory for a predetermined relationship such as an equalization. Of course other approaches to verify the authority of the servers, of the documents and instructions for operating the machine or the particular devices there may be used in the embodiments of the invention.

After the small application verifies that the hypertext transfer protocol server 90 or other access hypertext transfer protocol record has sent an appropriate digital form, or other authorization, the transaction will be allowed to continue. If for some reason an appropriate digital form has not been sent, the small Java application will stop the transaction and return the banking machine 12 back to the condition before the start of the transaction by connecting the ATM machine to the address associated with the transaction. how to attract the home server 90. The use of the signed instructions can be used to ensure that several transaction function devices are only operated in response to the appropriate messages. The use of the signed instructions may be particularly appropriate for the instructions that run the leaf spout or otherwise provide value to the user of the machine.

For the purposes of this example it will be presumed that the digital signature received is a correct signature, in which case a message is returned from the observer 76 to the home server 90 indicating that the transaction may continue. As shown in Figure 8, in this example transaction the domestic server of the hypertext transfer protocol 90 then operates to integrate at least one document of the hypertext markup language to the observer 76. This document includes instructions which when Processes produce a screen or visible page that instructs the customer to enter their personal identification number or PIN. The hypertext markup document preferably includes the embedded Java instructions or other instructions which operate so that the device application part 84 enables the ATM machine board 40 so that the machine can receive the number of the machine. personal identification. Such a message is shown schematically in Figure 8 with the Java 82 manuscript by signing the small Java application responsible for the board indicating that it has been asked to enable the board.

- * - Ma ^? In response the small Java application in the part device application 84 sends a message through intranet 16 to device server 92. Device server 92 sends a message through the intranet to the interconnecting software part of device 64 in the ATM machine. The instructions in this message cause the device program to enable dashboard 40. The small Java application responsible for enabling the dashboard is also preferably operated to update the transaction log 104 to indicate that the personal identification number was requested.

As shown in Figure 9, the personal identification number entered through the board 40 is transmitted in a message from the interconnection software part of the device 64 to the server of the device 92. The server of the device 92 returns a message to the Small Java application responsible in the application part of the device. The small Java application then operates to send a message back through the handling portion of the hypertext markup language document and the observer 76 to the hypertext transfer protocol address of the home server 90. This message includes representative data of the entry of personal identification number by the client. In some additions it is not desirable to display the personal identification number of the fc-fc¿4 * ._; .---;, --. - .---, client on the screen. In incorporation workshops the small application of the board can operate to display a flaw character on the screen such as the symbol of an "*" or ortho symbol instead of the digits of the personal identification number. Furthermore, as discussed below, it may be desirable to limit the transmission of the personal identification number or other data through the observer, in which case the personal identification number data may be handled as a separate hypertext transfer protocol message or in another way to reduce the risk of detection.

The software operation in connection with the server 90 of the hypertext transfer protocol is then operated to either verify the same personal identification number or to verify the customer's personal identification number and the account number by sending it to the office. back 94 and wait for an answer. Alternatively, verification of the customer's personal identification number can be carried out on the ATM machine through an appropriate small application. This can be done in situations where the data on a customer card, such as the account number, or parts thereof can be correlated to the customer's personal identification number through an algorithm. The Java manuscript embedded in the language messages of mi? Ün-iMT- '' jÉ-p ^ ----...-..-. + .. ^ .. rfba ^ .jtafa hypertext markup can include or point to an address to obtain the data and / or instructions which the small application can use to carry out this verification function, including certain key coding data. This may include the user information in the hypertext markup language document or other registration data that was accessed in response to the data on the user's card. The bank identification number read from the customer's card can alternatively be used as an indicator of the approach that will be used in verifying the personal identification number data. As shown schematically in Figure 9, the transaction data object 104 is also appropriately updated by the small application to indicate the entry of the customer's personal identification number.

In alternate embodiments, the machine may include a biometric reader device or other reader type input device to accept a user's data. The user can enter data through such device which can be used in place of and in adherence to the personal identification number data to verify that the user is an authorized user. This can be done for example by comparing the input of user data with the information corresponding to the authorized user of the card or included in a register or in a document which has a hypertext transfer protocol address and is accessed by an observer or by a hypertext transfer protocol client application through a hypertext transfer protocol server in response to card data. Alternatively the input data can be used to generate the addresses for the documents or records which are accessed by the observer or the client, and whose records or documents contain information that is used to verify the user's identity. For example, data relating to users can be stored in a data warehouse in relation to a hypertext transfer protocol server, which delivers data from a record in response to the user's data, whose data is used to verify the identity of the user.

It should be noted that the page or screen that asks the customer to enter their personal identification number is shown generated from the server from the domestic hypertext transfer protocol 90. This is preferably a screen that is associated with the particular URL associated with the client. This will be the interconnection of the customer's domestic bank and will be familiar to the user. Alternatively, the customer's address can access what can essentially be the customer's "home page" with the institution that operates the customer service system. ^ - ^ * "^" - "^" y1- ^ -. JÉta ^ .- .. »- ^^^.!, ^. ^ - ^^ computer 14. As such, this is not just something with what the user is familiar with, but is ideally tailored to the particular transaction needs of the user.

Alternatively, the document, documents, record or records which contain the customer's data can be used to generate the address for other documents. The information can also be used by the computer to dynamically generate a document for the particular client in the particular circumstances. This approach can be useful to reduce the effort associated with developing a forward one page or personal visual document for each client.

Approaches to achieve this may involve various types or categories of user information in the document or documents or records that refer to a particular client. This may include information such as gender, related persons, types of accounts, permitted transactions, customer preferences, customer interests, account balances, previous or declined offers, and other information. This client information can be used by an appropriate small application among the small applications 86 to direct and / or generate an appropriate document for the observer -, -ie ^ t ^^^ i .J ^ LA. ^ m- - ».--» - ^^ i for access based on the "profile" of the client. In addition, the small profile application may take into consideration the transaction devices present in the particular machine, the information about which is stored in the data store in the machine or elsewhere in the system, as well as other factors such as the day of the week and the time based on a clock system. In this way the machine determines the appropriate document to access or generate for the particular client under the particular circumstances. As previously discussed some personal data can be obtained from the information encoded on the customer's card.

The logic used in the small profile application can act to be that the documents are built or accessed by the client that include transaction options based on the customer's information, information about the terminal and other factors. The small profile application can operate to offer selectively based transaction or information options on customer information. For example, the operator of the machine may offer incentives, rewards, additional transaction options or selective advertisement information to customers. Certain types of clients of the institution that operate the machine can receive screen outputs with options that encourage them to be more business or different types of business with the institution. Similarly, customers who are identified as customers of foreign institutions can be provided with incentives to do business with the institution that operates the machine.

The small profile application can be operated in order for the computer to access other documents on other servers, such as stock market data and selectively provided to its customers. It should be understood that the small profile application can operate to determine a address or generate documents to produce initial display screens of a transaction sequence. The small profile application can also operate to provide information or access or produce documents which generate visual outputs for the client at other points in a transaction or between transactions. This can also be used in systems in which the operator of the machine is able to sell paid advertisements to third parties and then access the hypertext transfer protocol records such as the hypertext markup language records that correspond to those products or services of third parties. Such access can be made based on a periodic basis or other, but it can be done effectively by selecting the registry of the hypertext transfer protocol to access in response to the profile of the particular client. As described ****? i »Lir ^ ¡^ ~. ^ A-.ta * J, _aa - .. ifa ^ a later, the ad documents can be accessed by the ad servers connected to the network. Ad materials can be delivered to customers by the machine at various times during transactions, such as tracing controlled by the documents of the server operated by the customer's institution. Ad materials can be displayed when function transaction devices, such as the sheet dispenser, are operated. The operator of the machine and / or the system in which the machine is connected, may also require the payment of the advertisers to present the advertisement materials.

The continuation of the transaction flow of the point shown in Figure 9 for this example transaction by a client of the institution operating the computer network 14 is schematically represented in Figure 10. The domestic hypertext transfer protocol server 90 is operated in response to the entry of the correct personal identification number client to send the hypertext markup language documents to the hypertext markup language document handling part of the software and the computer which operates the ATM machine . These messages may include information and instructions used to generate screens that promote the client to select a transaction. For the purposes of this example, it will be presumed that the client enters information into ~ 3z: .- -i, ... ^ ?? ^ t ^ *? ^ .- ^^:.! .-. St ^ í. ^ Aé tía ----- the digital screen 30 a selection that corresponds to the assortment of cash, which is a common transaction in an automated bank machine.

The client selection through the digital display input device is communicated back through the hypertext markup language document handling part which communicates a hypertext transfer protocol message to the protocol server 90 transfer of domestic hypertext. The server 90 then responds by sending another hypertext markup language document to the banking machine which prompts the customer to select an amount. Again the customer can put a selection on the digital screen which indicates the amount of cash requested by the customer. This hypertext transfer protocol message passes through the hypertext markup language document handling part and from the observer 76 to the home server 90.

In response to the receipt of the quantity information by the customer, the home server 90 is preferably operated to communicate electronically with the office 94 to verify that the customer has the requested amount in the gutter. This can be achieved through a common gate interconnect (CGI) 106 which is in operative connection with the domestic server 90. For the * t-EIÉte - i > - - ^ L "'- i¿B) t« nM-LJÍ &... JaL ^ nt-j ».Jafc« .Aua ^ fcMtfc - Í |) t¡? Purposes of this transaction it will be presumed that the office 94 indicates that the money is available in the customer's account and sends a message through the common gate interconnect 106 to the home server 90 indicating that it can continue.

As depicted schematically in Figure 11, the home server 90 then operates to send a document back to the hypertext markup language document handling part in the ATM machine software. This message when processed by the observer will preferably cause the information to be displayed on the screen that notifies the customer that the transaction is being processed. In addition to the hypertext markup language the returned document preferably includes the Java manuscript which includes the embedded instructions which are executed and communicated to a small Java application associated with the operation of the sheet spout mechanism 42.

The document returned from the home server 90 may include advertisements or other information instead of and in addition to the customer's message. The returned document may also include an instruction which causes the machine to access or generate another document. These instructions can invoke methods in the small application * A *,? Aii8r á? * -fc '* ft ^^ i-. - -._ ^ - ".._., ^ FeM. *! -. * ..- A ^ .rf -.--- ^ .-, j & i; J profile depending on the properties associated with the client, the machine, the current time and / or other circumstances . This allows access to documents that provide promotional messages such as advertisements or other information to the customer while the customer is waiting for the sheet supplier or other transaction function device in the machine to operate. It should be understood that these documents can be accessed from servers connected to the system in any part, including servers connected to the Internet. This is made possible to selectively present a wide range of materials to customers. It also allows the operators of ATM machines and other transaction machines to present advertisements to customers, on a broad basis, or focused on customer categories or even not focused on individual customers on a segment of a base. This can be announcements by the operator of the machine such as a bank, or announcements that refer to virtually any type of goods or services. The announcements can also be presented selectively based on the particular transaction device being operated, the amounts of funds involved or other parameters. The documents can also allow the presentation of video and sound to the client which can increase the effectiveness of the promotions. Access to the ad documents can be followed and payments can be made to the client's institution, the system operator and / or the owner of the I l '"WÍ¡- | lÉ -n ?? ¡lil¡? L. I M * L: <?. -. I., -... ¿M, - .. ^ - ,. > .J -... i4 machine, or the entity associated with the materials presented to the customers.

In the embodiment of the example, the message to the small application JAVA in the application part of the software device 84 to enable the operation of the sheet dispenser results in the generation of a message to the server of the device 92. The message to the server of the device 92 for supplying cash is preferably analyzed by monitor software 102 to verify if the message is appropriate. For example, the monitor software 102 is preferably operated to ensure that the amount of cash being requested does not exceed a pre-set amount. It can also be optionally verified that the amount provided to the customer within a longer period has not exceeded a certain amount. This can be done by the device or server by sending a message to the domestic office that includes the card data or other data that you have previously received or have resolved in relation to this client. The message may pass through the server 90 and its associated common gate interconnect, another connection. Assuming that the assortment instruction is not prevented by a message from the home office or from the monitor software, the device server 92 is operated to send a delivery message to the interconnecting software part of the device 64 at the ATM machine automatic. The software part 64 is then operated in response to the message to operate the sheet assortment mechanism 42 to supply the amount of cash requested by the customer.

The monitor software 102 preferably carries. out additional functions on the device server. For example, the practice of good business or government regulations may require limiting the amount and size of deposits that can be made in a ATM machine. This may be advisable to avoid "money laundering" or other suspicious activities. The monitor software preferably operates to limit the amount of a single deposit below an established limit. It can also operate to communicate with the bank 94 home office system to avoid a series of deposits within a pre-established time that exceed a certain limit. The monitor software can also work in conjunction with the delegated server to limit certain transactions that can be carried out in the banking machine in response to the instructions of the foreign servers as discussed below.

It should be noted that in this example embodiment of the invention, the small Java application which is operated to send the message that causes the cash to be Assortment, working the action with another small application which controls the mixing of assorted tickets to a client. Many ATM machines have the ability to supply two or more banknote denominations. It would be desirable to control the mix of bills supplied to a customer to suit that which is available on the machine and to avoid exhausting the denomination bills before others. The small banknote mixing application is preferably operable to control the banknote mix according to the wishes of the institution operating the ATM machine as well as according to the capabilities of the ATM machine. Alternatively, a small Java application for controlling ticket mixing may reside in a program of the device 70 in a part of the device interconnect software 64.

As will be appreciated by those skilled in the art, the particular small Java application and / or the configuration data in the machine can be selectively loaded from the home server 90 to a machine start or at other times. Because small applications and configuration data can be selectively delivered to particular machines, machines can be tailored specifically to the assortment of particular bills and other ATM machine capabilities. For example, the ATM machine can be configured in a way that certain small applications or groups of small applications must be present to allow the machine to operate. An approach to the loading of such data or programs is to provide values and address in the terminal software to indicate where the instructions necessary to acquire the small applications or the data can be obtained. If small applications or groups of small applications are not already present in the memory of the terminal ATM machine at the beginning, the software is operated to access the system addresses for the documents containing the required records and instructions which will that the machine loads the required records. An observer can be used to access the addresses, and software load data corresponding to the instructions of the documents accessed in a memory in the ATM machine terminal so that the terminal has the required data and small applications. Such document addresses can be accessed through the home server 90.

Alternatively the addresses may be on a separate development server connected to intranet 16. In this manner, each transaction machine is capable of loading small applications and data which includes the operating code necessary to operate the transaction devices in the machine. Alternatively, »-.«, «.« «-itMfcL-and« j¡iH-. < fi --.- Á -.--- ..... "-. - ........, - um¿t iu the documents can be provided through a development server or another server that is accessible to the machine through a wide area network. The documents can be provided on the development server to provide the machine with instructions on how to acquire the operation code to carry out a wide variety of functions. The instructions can direct the machine to acquire the necessary data and the code of the addresses accessible through the hypertext transfer protocol servers by means of a hypertext transfer protocol client in the machine. The data and the code can be acquired in response to the instructions in one or several documents. The machine may also require that small applications loaded in this manner be small signed applications including digital signatures or other certification features to achieve the operation of certain devices in the machines.

Alternatively, embodiments of the invention can acquire the necessary small applications and data from a remote data store. The data store preferably includes the data and / or programs that allow the machine to operate as desired, or have instructions where the machine can acquire the instructions and data necessary for the operation. The data can be accessed from a database server. The transaction machine r -tfir t itf - direct a question to the database server. The question includes or is accompanied by indications of the machine that identify the machine. This may be the particular machine such as a machine number, and / or may include indicia representative of the type or capabilities of the machine's functional device.

The data store preferably includes registers which have the data or programs that are to be transmitted to the machine. In response to the question to the server, the server retrieves the records from the data store and replies and delivers one or more messages to the hypertext transfer protocol client on the transaction machine. The messages include configuration data or small applications to allow the machine to operate in the desired manner or may include instructions which indicate how the machine will acquire such programs from the servers connected in the system.

In the example shown, the configuration server and the data store can operate on the same computer as the home bank server 90. In other additions the database server can reside elsewhere in the networks to which the machine is located. Operationally connected iiMgi? á \ s ^^ **** ^^^. »Faith., ^. A., A ^ JJ., ^. ^^^ t One advantage of machines and systems that employ such features is the flexibility to change the operation and the customer interconnection of the machine to respond to changing conditions. This may include a change in the transaction function device. Conditions may change so that certain transactions are limited or not available. For example, a machine can normally accept deposits but its deposit may be full. In such a situation the machine can change the documents that it accesses to present messages to the users through its output devices so that the deposit option is no longer offered. This can be achieved by small applications and data loaded on the machine initially, which provide instructions when such an event is perceived. Alternatively, machine programming can be modified by loading new small applications and / or data from a hypertext transfer protocol server in response to its current state. This can be done in response to a question to a database server that includes or is accompanied by data representative of the changed capabilities or conditions of the machine. In response, the server delivers the small applications, data and / or instructions which will operate the machine in modified mode.

This approach eliminates the situation with conventional transaction machines where the presentation of static interconnection on the output devices offers a transaction option to a client. Sometimes after the customer has made the selection an indication is given that the selected transaction option is not available. The approach described here can be used with numerous transaction options and transaction variations. The transaction options can be easily changed from the database server on a machine by means of a machine phase or even a customer per customer base as previously discussed based on the wishes of the entity operating the transaction machine.

The discussion of the example transaction will now be continued from the point schematically depicted in Figure 11. In response to the cash dispenser 42 that supplies the requested amount of cash, the device interconnect software program 64 preferably operates to send an assortment operation message confirming the assortment back to the small JAVA application in response to the assortment in the application program of the device 84. As depicted in the figure 12, the particular small application is operated to update the transaction record 104 to indicate the cash assortment to the customer in the particular amount. The instructions of embedded JAVA manuscripts which were operated to cause cash assortment to the client, preferably also include instructions to send a confirmation message back to the home server 90 that the assortment has been completed. The receipt of the assortment operation message indicating that the cash was stocked causes the small JAVA application to configure the hypertext markup language document handling part to send a response message to the device back to the home server. The home server is then preferably operated in accordance with its schedule to indicate to the home office 94 that the customer received the amount of assorted funds. This amount is deducted from the customer's amount in the records kept in the home office system.

Generally during the transaction it is common to ask the client if he wishes to have a receipt for the transaction. This can be done at various times during the transaction flow. In the present example, after the cash has been stocked a message is sent to the customer who is operating the machine and such a message is reflected in figure 13. The home server 90 is operated to send a document of markup language. hypertext which when processed by an observer produces a screen that asks the client if he wants a receipt. This message is displayed as part of a page on the digital screen 30 in response to receiving the message through the observer 76. Alternatively, the document can be generated by the machine. In response to the client indicating that he wants a receipt or not, a message is returned to the home server. Again it should be understood that the screens displayed to the customer are preferably those to which the customer is accustomed from his domestic institution, and may be part of his unique home page.

Presuming that the client wishes to receive the transaction receipt, the home server 90 in the example incorporation operates as shown in figure 14 to send a document back to the ATM machine with the embedded JAVA manuscript indicating that it is going to print a transaction receipt. These instructions in the JAVA manuscript are communicated to the application part of the device 84 which sends a message of transmission control protocol / internet protocol through the intranet to the server of the device 92. The server of the device 92 in turn communicates a message with instructions to the interconnecting software part of the device 64 in the ATM machine. In response to receipt of the message, the software part 64 is operated to cause the printer 46 to print the transaction receipt to the customer. The small JAVA application responsible for enabling the printer is also preferably operated to update the registry or object -f 74 of transaction data 104. As discussed below, the small application which controls the printing of the receipt may obtain the data used in the printing of the transaction data object receipt. It should be understood that even if the customer does not wish to have a receipt it may be desirable to print a record of the transaction on the hard copy through the newspaper printer 48. This can be accomplished in response to the embedded instructions which are document parts of the domestic server 90 which causes the transaction receipt for the client to be printed, or may be part of a separate document which indicates that the customer has declined the option to receive a transaction receipt. Alternatively, the printer 15 daily can be triggered in response to other small applications such as the application that causes the assortment of cash, or in another way chosen by the ATM machine operator. Alternatively or in addition, an electronic record of the information in relation to the The transaction can be stored in the data warehouse. Such information can then be retrieved remotely from the machine, from other system addresses. As will be appreciated from the foregoing description, the operation of example embodiment of the ATM machine is inherently 25 flexible and programmable to meet the needs of the system operator.

. -J ^ .Í- «J-.l t < . if * ^ As shown in Figure 15 upon completion of the printing of the transaction receipt, the software part 64 is preferably operated to send a device operation message to the device server 92 which is indicative of the function of the device. requested was carried out successfully. The device server 92 is operated to send a device operation message corresponding to the application part of the device 84, and in the example embodiment to the particular small JAVA application responsible for printing the receipt. The small JAVA application in turn configures the handling portion of the hypertext markup language document to generate a message back to the home server in the form of a device response message to indicate that the receipt was printed for the customer.

Having received the cash and the receipt, the customer is encouraged by the display screen generated from a hypertext markup document from the home server 90, to indicate whether he wishes to carry out another transaction. The screen or visual page that promotes the client in this aspect is displayed on the digital screen 30. For the purposes of example it will be presumed that the client does not want another transaction and for that purpose a message is returned through the management part -'------- as ^ -t- .. ^ Aa-ifed - -IffltfliJJfftlüM-ll of the hypertext markup language document back to the home server 90.

As shown schematically in Figure 17 in response to receiving a message that the customer is served, the home server 90 is operated to send a "go home" message for the ATM machine.

This message preferably includes a hypertext markup document which when processed by the observer produces a screen display thanking the customer. This message also preferably includes an embedded JAVA manuscript which sends to the small JAVA application which eventually returns to the hypertext markup language document handling part back to the connection with the URL on the home server 90 or other network address that provides the documents that are used to get the messages for the "attraction mode". It should be remembered that the manuscript or the instructions included in the documents used in some incorporations can operate to cause a message to be sent from the handling part of the document to the address on the domestic server that makes a record of hypertext transfer protocol corresponding to the instructions that comprise the desired small application for loading.

H.-a ^ fc - ^. A, - ^. --- .-- »-. *« ^ < Mj > «M --- iL -» -? - As indicated schematically in Figure 18, the small application of the "go home" command is operated to configure the observer 76. After the handling part of the language document Hypertext Markup is configured by the small JAVA application to return home, the JAVA application can be configured to deliver to the home server 90 the information of the transaction record 104 in relation to the transaction that was just completed. Because the example transaction was with a client of the institution that operates the computer system 14, all data relating to that transaction must already be recorded in the home office 94. However, it will be appreciated that this will not be the case if the transaction was carried out in response to messages from a server operated by a different institution. This may also not be the case with certain types of transactions such as some credit card transactions, where an authorization is provided during the transactions and at a later time the transaction details are sent for account balance purposes. Thus, all or a portion of the information in the transaction record 104 may be delivered in response to the "go home" command to the home server 90 and through the common gate interconnect to the office system 94 where it may be be identified as duplicate and downloaded information. This can be done using the remote method invocation (RMI) to pass or deliver the object to the server 90 and then transmit the data through the messages from the server to the home office, or through the messages or other techniques.

Of course, in other additions the transaction information may be stored in a database for extended periods of time returned after each transaction. Alternatively, the ATM machine 12 of the present invention may include small applications which are operable to deliver transaction registration information to addresses other than those of the home server, if that is desired by the system operator 14. The computer it can be configured through an appropriate small application or other instructions to deliver the stored transaction log data to selected network addresses in the system. Such registration data may be delivered in a coded form as is appropriate for the particular system. Such registration data can be delivered through the handling part of the bank machine document. In alternate additions such data can be delivered through a separate server component that operates on a computer associated with an automated bank machine. By processing these data records, the operator of the machine or other agreement authority can retrieve the registration data in relation to the transactions. Such data may also be used to retrieve the data that is used to determine the number and types of transactions carried out on the machine involving other institutions and / or transaction services associated therewith. Such information also includes information about the advertisement materials presented to customers. Such information may be processed and used as the advance to share transaction fees or receive payment from the ad entities.

The operation of an exemplary computer system when a "foreign" user employs the ATM machine 12 is graphically represented in relation to figures 19 to 24. The transaction with a foreign user which is not a client of the institution that the ATM machine 12 operates and a computer system 14 will be operated under the control of the home server 90 and will continue in the manner of the previous example through the point where the customer puts his card. The client inserts a card that has indications corresponding to a network address that does not correspond to the home server 90. The hypertext markup language document handling part is operated to configure a message addressed to access a URL corresponding to signs on the customer's card or other address in response to such signs. For example, the network address can be based on the bank identification number encoded on the customer's card. The bank identification number can be correlated with an entry in the Financial Institution Table (FIT) or a similar cross-reference to determine the network addresses and / or other parameters. This message is delivered to the delegate server 88 which in turn passes the message to the wide area network 18. From the wide area network the message proceeds to the foreign server corresponding to the client's URL. For purposes of this example the foreign server corresponds to the server 96 which is connected to the Internet.

In the example embodiment of the invention, the delegate server 88 includes the graphically indicated analysis software 107. The analysis software is preferably operated to verify the addresses to which the messages are being directed by the ATM machine and to selectively avoid sending messages to particular addresses. This serves as a "wall against fire" and is desirable for the purposes of avoiding fraud in the system.

As shown in Figure 20, the foreign server 96 is preferably operable to communicate the hypertext transfer protocol messages, including the hypertext markup language documents, * ± »a ^ aa. ^ - * - 1Ít < WHAT IS GJJJJ JJ ^^ J ^ JJL? to the ATM machine 12 back through the wide area network 18. This can be done using a secure socket connection ("SSC"), such as to minimize the risk of message interception. Of course, other techniques, including message coding, can be used to minimize the risk of message interception.

As schematically depicted in FIG. 20, the response document from the foreign server 96 preferably includes the embedded JAVA manuscript and is representative of or corresponds to a digital signature identifying the foreign server 96. This can be accomplished by loading a protocol record of hypertext transfer including a small application signed as previously discussed. A small application in the application part 84 in the ATM machine preferably operates to verify the digital signature in the manner described in the previous example and sends a message indicating that the transaction has been authorized. The digital identity of the foreign institution will be stored in the memory in the ATM machine for example in the transaction registration data and eventually registered in the office of origin 94.

It should be noted that the documents of the hypertext markup language from the foreign server 96 include JjE ~ 'ffo' * .-. ..-- - .---- £ "^ 6.a - instructions so that when these are processed by the observer, the screens or visual pages of the foreign institution with which the foreign client is accustomed to see are taken out These pages may correspond to a "home page" of the foreign user which is tailored specifically to the needs of a particular user.

Figure 21 shows a schematic example of a document accessed through the foreign server 96 delivered to the ATM machine 12. The document from the foreign server can include the embedded JAVA manuscript which allows the operation of the small JAVA applications on the way previously discussed to operate the devices 36 in the ATM machine. As shown in Figure 21, the transmission control protocol / internet protocol messages to the devices from the small JAVA applications passes from the application part of the device 84 to the server of the device 92, and the instructions from it are passed. to the interconnection software part of the ATM machine 64 device. The operating messages of the device take a reverse path. By passing these messages through the device server 92, the software monitor 102 monitors these to minimize the risk of fraud or abuse.

As indicated in figure 21, the documents of the foreign server 96 can be operated to take out through the digital screen 30 a request for the client to enter his personal identification number. The embedded JAVA manuscript instructions will include, as in the previously discussed sample transaction, instructions that will allow the keyboard 40 to accept the customer's personal identification number. As in the previous example, the transaction record 104 which includes a shared data object in relation to this transaction will be opened by the application software portion of the device. As previously discussed, provisions may be made to prevent the passage of the personal identification number through the observer if desired.

Figure 22 indicates the return of the device operation message from the personal identification number data to the small Java application, which in turn transmits the data back to the foreign server 96 through the wide area network 18 using the secure socket connection. From this point the transaction continues generally as previously described except that the foreign server 96 sends the hypertext transfer protocol records, including the hypertext language markup documents and receives the messages from the document handling part of the machine Cashier automatic. The foreign server 96 includes the Java application software necessary to include the Java manuscript embedded in the documents that are sent to the ATM machine to operate the devices 36 in the machine.

When the foreign server 96 operates the machine, the monitor software 102 on the device server 92 is operated to monitor the messages in the manner previously discussed. Such surveillance is given for example, operating to avoid the assortment of unduly large amounts of money from the machine. Surveillance software can also operate to restrict certain foreign institutions to a subset of capabilities or transaction machine devices. This is done based on data stored in the memory which limits the devices or activities that can be carried out from the documents in certain directions. This can be achieved for example through the use of code plugs which implemented the class of transaction objects that limit the operations that can be carried out. For example, operations which allow connection to the foreign server can instantiate objects which provide limited capabilities specific to messages received from the foreign server. This can for example limit the amount of money stocked, avoid the operation of a check acceptance device, limit the assortment of printed documents such as tickets, avoid the operation of the cash dispenser or limit the use of the machine in other ways. appropriate. This can be done based on the addresses or parts in the addresses for the documents.

If the capabilities of the machine exposed to the foreign customer are limited, the foreign customer can be provided with a visual interconnection from the foreign bank based on the transactions of the machine that can be carried out and that the owner of the machine will allow. As a result the documents accessed on the foreign bank server can be a variation of what the client will be provided on a machine operated by the foreign bank. This may be based on documents specifically developed for the operation of foreign machines, or it may be a variant of the usual foreign bank interconnection with visual indications that certain transactions are not available. In some cases interconnection may indicate that some transactions are available with an associated service load.

The ATM machine of the embodiment described can increase security by limiting the addresses to which the observer can have access. This can be done by keeping a list .. ^ in the memory of the machine. This list can be maintained in the hypertext transfer protocol records (including document) accessible through the intranet of the domestic bank. This machine can access the records pre-programmed and update the memory data. This register can itself require a digital signature corresponding to a signature in the terminal memory before the data is loaded into the terminal memory. This information may also include instructions and information for the ATM to verify that the messages it receives by accessing the documents on the foreign server are genuine. This can include digital signatures which when transferred using private key or public key coding techniques verify the messages as genuine. The machine verifies to be sure that the signature in the access records of the foreign server corresponds to the digital signature for that address stored in the memory, and allows the operation of the transaction devices, such as the cash dispenser, only when it is present such correspondence. Of course several approaches can be used to verify and encode the messages in several additions. As used herein, the records signed by the signatures include any indication which is included in or derived from a record which is indicative of its being authorized.

As can be seen from the above description, the foreign server 96 can communicate with the user with outputs through the digital screen in a language that is different from that which is normally used by the clients of the institution operating the computer system 1. As a result, hypertext markup language documents can cause the display of requests to supply money of a type of an amount which is not included in the ATM machine. To accommodate that situation a small application may be included in the application part of the device 84 to deal with requests for foreign currency. The small application of foreign currency makes the ATM machine send a message back to your home server for the purposes of calculating a closer amount which can be provided to the customer in the currency available on the ATM machine that corresponds to what the client requested. As will be appreciated, this application will be operated to call the particular function address within the home server 90 which is capable of providing this function. When the assortment is made the small application is also operated to indicate to the server 96 that the quantity assorted differs somewhat from the amount that the client requested. Of course in other additions, other approaches can be used. Alternatively, a small application in the machine can generate visual displays that show equivalents in the local currency when the amounts of foreign currency are displayed or processed. This may include presenting both quantities on the visual displays presented to a user. Alternate additional observers operating in the bank machine as discussed below can produce visual signal outputs that warn the user of information such as exchange rates or other information pertinent to the customer's transaction.

As shown in figure 23, when the foreign client has completed his transactions as indicated by the digital screen 30, the foreign server 96 is operated to send the message "go home" back to the cashier machine automatic. The receipt of this message is operated in the manner previously described to cause the application part of the device 84 to operate in response to the embedded Java script instructions to configure the hypertext markup language document handling part to make the Observer 76 reestablish communication with the home server 90, or another designated document address.

As indicated in Figure 24, the small application in the application part of the device 84 that processes the "go home" message is preferably operated to reconnect to the home server 90 as well as to send the transaction registration information in the registry 104. This transaction registration information which in the sample embodiment is packaged in a data object, includes the name of the client, the name of the foreign institution, the digital identifier, the quantity information in relation to the quantities supplied , transferred or deposited, and other relevant transaction data. The transaction data is used by the small applications to carry out the transaction steps in which any part of the data is required. Upon completion of the client activity on the machine, a small application provides a transaction data message which includes at least a portion of the data collected. This data is communicated from the server 90 through the common gate 106 interconnection to the original office of the domestic bank 94. This information is stored in the original office for later uses for transaction purposes with the foreign bank that operates the foreign server 96. Alternatively or in addition, the transaction data may be recorded in the terminal in the memory such as an electronic journal as well as in a hard copy in a newspaper printer. Transaction data can be stored for downloading on a load or by passing objects including information data from many transactions. The objects can be instantiated from a remote server such as by means of an invocation of a remote method. The load data may be communicated at times and to addresses as it may be stored in the memory in the terminal configuration data.

An advantage of the embodiments of the invention is that the transaction data can be delivered to the addresses in a local area network or in a wide area network such as the Internet. This facilitates carrying out a wide variety of transactions and allows directing messages related to the use of tracking (such as for electronic bag type smart cards) or for the transaction of various types of transactions to several selected system addresses.

It will be appreciated that the described embodiment of the machine and the automatic banking system of the present invention provide the advantage that when the machine is connected to a wide area network such as the Internet, customers with the ability to carry out their banking transactions virtually anywhere in the world. In addition, despite the broad capabilities of the system, because the machine can be monitored locally, both in terms of connection and activity, the risk of fraud is minimized.

Embodiments of the invention may include an additional feature to facilitate access to documents in the network to which the machine is connected. This feature is operated to determine whether a hypertext transfer protocol record such as a hypertext markup document or other item is accessible at a download address before the computer attempts to access the record. This avoids out-of-transaction times that could otherwise occur as a result of being able to access a registry because the server is shut down through which the registry is normally accessed. Other additions may consider both the record size and the transfer rate determining that a transfer rate for the record is not fast enough, so that it must be transferred or alternate record.

In an embodiment this feature is achieved through the use of a separate program or a small application which checks to see if a server that the computer subsequently would like to access is alive. The small application operates in response to receiving an address part of it, to which a connection will be made. The small application operates to be a plug-in connection to the address that loads a small but sufficient amount of the registry or otherwise operates to determine that the server , 'i! í through which the record must be accessed is alive. In response to the small application verifying the operation of the motorcycle server or otherwise determining that the conditions indicate that the record can be accessed or loaded, the computer then operates so that the observer or a similar software component is enabled to navigate in the direction at the appropriate time in the transaction sequence. If the application is unable to detect that the engine server is alive, or determines that it appears that the registry can not be successfully loaded or accessed, steps must be taken to access alternate addresses, generate another exit, or discontinue the transaction. The alternate addresses to access may be based on the data stored in the memory of the terminal or may be obtained by accessing documents either locally or remotely which include data from which alternate addresses may be obtained or derived. Alternate addresses are similarly verified to make a determination that records can be accessed before attempts are made to access alternate records. This approach avoids delays in carrying out transactions.

The alternate additions can employ other approaches to determine whether the desired hypertext transfer protocol records such as the hypertext markup language documents can be accessed. '* > * M * < liht * i ^ faith * A successfully and / or lowered properly before the observer provides client interconnection attempts to access the document. Such incorporations may consider whether the document can be successfully accessed, the speed of transfer or other conditions related to the operation of the system or content of the document. For example, the small application which tests to determine that the hypertext transfer protocol record can be accessed, or an additional small application, can determine the transfer rate at which the record can be transferred to the computer. The rate at which the data can be transferred can be compared to the data stored in the memory, and if the rate is slower than the data representative of the desired stored rate, an alternate record is accessed. This may be for example a hypertext markup language document stored or generally located on the machine. Other additions may include programs which consider the size of the hypertext transfer protocol record and the transfer rate to determine a transfer rate. Such programs then determine whether the record can be transferred quickly enough to satisfy the parameters set in the memory configuration, and if not, alternate addresses are accessed. Such alternate records can be similarly tested to transfer the speed before being transferred. k. at-jtm ^ £ ^ Ú ^^ Programs can also consider other factors to decide access to particular addresses, such factors may include for example day and time information, or information from sensors such as sensors in the floor or video image information systems indicating that other people are waiting for the use of the machine. In this way, access to documents that have extensive exits that may tend to prolong transactions can be avd even when the records can be loaded at an adequate speed.

In the alternate embodiments of the invention multiple observers may be operated on the machines of the ATM machine for the purpose of processing instructions in the documents. Some observers may operate to process instructions and may not provide outputs that can be perceived by the users of the machine. Such observers can be operated to provide instructions that are used to operate the transaction function devices. For example, an observer who does not produce an output which is visible on an exhibitor, can process documents which produce outputs that are operative to make a printer produce the printed documents. * *. *. **** > -.,., .... .., .. - *, ... f -a- • '-' ^ > ^. ^^. A * Atá i Other incorporations can operate multiple observers which provide outputs which can be perceived by the clients that operate the machine. For example, multiple observers which are each capable of providing visual (and / or audio) outputs can be operated on the respective servers in the machine simultaneously to process the documents and provide simultaneous outputs to the user. Such observers can also process instructions to operate the transaction function devices. This can provide the capacity for a machine to carry out a simultaneous transaction type.

In an example embodiment, an ATM machine has five visible observers operating there. Each of these observers is able to provide a visible output on the screen of the ATM machine. Figure 32 shows an example output screen 196 in which each of the observers produces a visible output. The output of the main observer 198 is shown centered on the screen. The output of the main observer 198 is vertically flanked by an upper observer output 200 and a lower observer output 202. The main observer output is flanked horizontally by a left observer output 204 and a right observer output 206. Each of these Observers are able to process documents and communicate with network addresses in the manner previously described. Some or all observers can also operate to pass instructions as to control the transaction function devices in the machine. Alternatively, some observers may be used primarily to provide outputs to the client and may not be configured to use instructions in the documents accessed to operate certain devices in the machine.

In the example incorporation, five (5) observers are operated even though they may not all provide the visible outputs. Initially only the outputs 198 of the main observer becomes visible. The other observers become visible using a "show" method which identifies the observer exit size. This is done in response to the display and size instructions included in documents such as hypertext markup language documents. Such instructions are preferably included in the documents accessed by the main observer, but may be in documents accessed by other observers. In the example embodiment, the size of the observer is defined by a single thickness indicator. In the case of the "upper" and "lower" observers, the thicknesses refer to a vertical dimension from the adjacent upper or lower edge of the displayed one, respectively. In the case of the "left" and "right" observers, the thickness is a horizontal thickness from the respective adjacent edge of the screen. In the example incorporation the output of the main observer is automatically recited to fill the remaining visible space on the screen not occupied by the outputs of the other observers. In this embodiment the upper and lower observers when activated occupy the full width of the screen, while the left and right observers occupy the space between the upper and lower observer outputs if they are visible. Other approaches can be used in the alternate additions.

The use of multiple visible observers provides the capabilities to provide multiple simultaneous visible outputs based on different documents accessed in different network addresses. This also allows the development of applications that provide a series of documents that allow produced output of visible documents at several selected points in a transaction sequence. Such capabilities can be particularly useful for presenting promotional materials or advertisements to customers during a transaction. The capabilities can also be useful to display messages in multiple languages to operate the machine. Such capabilities can also be useful to present information about * * Q Q exchange rate in transactions that involve a cardholder from a different country or in carrying out currency exchange transactions. The outputs of multiple observers may also be useful for displaying to the client documents generated by the client or documents including information of particular interest to the client such as the current status of particular actions or investment opportunities.

Figures 33 to 35 show examples of screens generated in the example embodiment when certain different observers are used to produce the visible outputs on the screen. Figure 33 shows a screen 208 in which the output of the left observer 204 15 and the output of the top observer 200 are visible with the output of the main observer. Fig. 34 shows a screen 210 in which the output of the observer 200 and the output of the lower observer 202 are visible with the output of the main observer 198. Fig. 35 shows a screen 212 in which the output of the right observer 206 and the output of the main observer 198 are visible. It should be understood that many screen variations are possible and that such screens may include configurations in which the output of the main observer is not visible. 25 As can be seen, the operation of multiple observers in the machine allows carrying out simultaneous transactions. For example, a user can be provided with the opportunity to acquire goods or services through documents processed by one of the observers while a bank transaction is being developed. Such an observer can work in relation to the other components or the machine as discussed previously, to allow the operation of and to receive inputs through various transaction function devices. Such entries may include entries or accept or decline offers to compare items or services. The transaction data object may also be invoked by applications that operate or observers to be such offers. This allows the delivery of account data associated with the user, which were previously obtained in connection with the bank transaction. This also allows the customer to conveniently choose to pay using the amount of money involved in a transaction. Each observer can also develop their own transaction data object or records to be used for transaction purposes, as well as storage data for what happens during the transaction.

Even when the example embodiment of the invention has been described in connection with the use of i. Multiple observers to display information in the course of a banking transaction and to allow multiple transactions to be carried out simultaneously, should be understood that the use of multiple observers providing visible and non-visible outputs can be used for numerous and varied purposes that are within the scope of the present invention.

Although the described embodiment of the machine and the automatic bank system of the present invention is shown in relation to a particular type of machine that is made specifically for connecting to local or wide area networks, conventional automatic banking machines can also be adapted to include such capacity. Specifically, the document handling part and the device application part may be included with other conventional software which operates within one or more computers in an operational connection with an automatic banking machine. This allows such ATM machines to operate either on the conventional proprietary network or as part of a wide area network. In addition, automatic banking machines can be configured to operate their devices through the interconnection software part of the device of the invention or through a different software interconnection when operating in a conventional network. Such machines may change to require device messages that are passed through of a device server when operating under the control of a server within the wide area network to maintain security within the system. In this way, a single ATM machine can be operated in proprietary networks in the manner of current ATM machines as well as in a network configuration of the system of the invention.

The alternate embodiments of the invention operate to communicate the transaction messages used in a proprietary ATM machine network. This can be achieved by using an interconnection such as a common gate interconnection in connection with either the document handling part of the ATM machine or the domestic server of the hypertext transfer protocol or another server. The common gate interconnect operates in conjunction with the message conversion program and the database to select the necessary data from the documents and respond to messages and generate the transaction request messages defined appropriate for the proprietary transaction network. Similarly, the message conversion program and common gate interconnect operate to receive the function order messages from the proprietary network and convert them and generate appropriate documents and / or transmission protocol / protocol "messages from the Internet to be used by the ATM machine, because these proprietary network formats are defined and the data necessary to produce and interpret the messages are known, the use of the ATM machine 12 is achieved directly in a conventional proprietary ATM machine network.

Conventional ATM machine transaction messages are defined deployment messages that do not include documents such as a markup language document or hypertext transfer protocol messages. An example of the conventional known messages used to operate the ATM machines are the Diebold 91X messages, the NCR PAS messages and the IBM 473X messages. Such messages generally involve the transmission of a request message from an ATM machine in a defined location including customer input data. (account / personal identification number) and an indication of the type and amount of the transaction requested. The request message is received by an ATM machine host which sends back a response message with a defined display which includes an indication of whether the transaction is authorized. The ATM machine then returns another message to the host computer indicating whether the machine was able to carry out the transaction. The messages used in such conventional proprietary networks generally occupy a relatively small bandwidth. j ^ ¿^? ^^^ s ^ a ^^^^^^^^^^ gíM ^ In connection with the ATM machine of the invention for such a network, a server is provided. The server is an operational connection with a memory which includes a relationship database or other data store that supports the conversion of the message and the document creation data. In one configuration, the server is connected to the document handling part through a network, or it can reside on the machine of the ATM machine. The server produces the documents which the observer accesses and which include the instructions of the transaction device. The server (or a connected server) communicates conventional messages with the host. A server can provide an interconnection for several ATM machines connected to a LAN, or alternatively each ATM machine can have its own server operating there.

The ability of the ATM machine 12 to communicate in a proprietary network also allows the operation of the ATM machine in a manner in which the interconnection is generated by a domestic user institution in a previously described manner, but in the which transactions are authorized through messages addressed through a proprietary ATM machine network. This achieves the security of using the proprietary network while providing the customer with the advantages of an interconnection of a domestic family bank and / or an interconnection of "personal home page".

In such a configuration the ATM machine transaction function devices can be operated in a conventional manner in response to conventional ATM machine transaction messages such as Diebold 91X messages, NCRPAS messages or IBM 473X messages, in the proprietary network. The client output devices, such as the display (and speakers if provided) communicate outputs in response to documents processed through an observer connected to a local or wide area network. The observer accesses the documents to promote a client through the operation of a transaction, but the documents do not include instructions that allow the operation of the devices such as the cash dispenser in the absence of the authorization of the proprietary network.

In one configuration the observer can be operated by the computer in response to the state of the devices of a machine, when the devices are operated in response to the messages of conventional ATM machines. In this way the observer can navigate to selected addresses, including addresses which are associated with the client based on the data of customer information. However, since the documents received by the observer will not independently operate the transaction function devices, there is a minor need for security measures to access the documents. As a result of this, the customer can still operate the machine in response to the familiar and unique interconnection, and market information such as advertisements or other materials that can be presented in the transaction sequence using the techniques previously described.

In other embodiments the machines can perform some device operation based on conventional messages, while others can be carried out in response to instructions in the hypertext markup language documents or other hypertext transfer protocol messages. For example, hypertext markup language documents can provide considerable data for use by printers or other output devices. Such incorporations can access documents with instructions but can ignore some and act in response to others. The approach can be selected by the system operator by configuring the program based on their requirements.

It should be understood that the embodiments of the invention can also provide generation of the * * * * * Vthiirl • Ti ^ Aff- .e-. ~ ,, lJ,? Ü? ~ , - -. ,, -. ------- ^ -. --aj - ^ '.. ^ a * g - ^^ appropriate documents which are processed by the document management software. Such documents can be generated dynamically in response to the information delivered through the messages from the ATM machine that include information and data which are indicative of the information related to the transaction or to the client. This allows messages to and from the ATM machine to be communicated with a much more limited number of network addresses. Dynamic generation of several documents such as XML documents can be achieved by one or more computers based on data stored in one or more data stores. A plurality of documents can be generated corresponding to a number of entities of a single server. Such documents can be tailored for transaction options or the proportional information provided by each entity. Documents may include graphics, icons, promotions, trademarks and other visible features and / or embedded instructions that correspond to non-visible outputs as appropriate for the corresponding entity. In this way the documents corresponding to a plurality of banks, service providers, advertisers and other entities can be generated by one or more computers and delivered through one or more eervidoree as appropriate in response to the information in the menus of ATM machine and information stored in one or more data warehouses operatively connected to computers.

An additional advantage of an example embodiment system configuration is that it has an increased flexibility to communicate messages associated with the ATM machine. The administrator of the device 68 preferably generates status messages associated with the state of the devices 36. These status messages can commonly represent information about the conditions that exist in the devices. Such messages may indicate that paper supplies for printers or tickets are low or depleted. Other messages may indicate that the devices are not working properly. Other such messages indicate that the ATM machine requires service. Such types of messages are here mentioned interchangeably as status or failure messages.

The device interconnect software part 64 in the sample embodiment communicates through intranet 16 using the transmission protocol / Internet protocol messages. While the messages associated with the example transactions previously described are directed to the server of the device 92, the software part 64 may include a server and is configured to direct the failure and delivery messages to other addresses in the intranet or in the network. Internet. For example, such failure or status messages can be directed to the software applications which deliver messages to a service provider. In addition, failure messages can be targeted selectively based on the nature of the indicated failure. For example, failure messages indicative of a need to replenish the supply of money may be directed to an intranet address associated with an entity which is responsible for replenishing supplies. As an alternative to the failure, which indicates a need for other types of service may be directed to an address associated with an entity that can provide the type of service required.

Alternatively, the selective dispatching of fault messages to the addresses of intranet 16 can be achieved by an appropriate configuration device server 92. In addition, any software part 64 or device server 92 can direct fault messages from the ATM machine to a fault management system such as a computer that operates the EventMarket Handling System software available from Diebold Incorporated. . Such software is operative to resolve the nature of the failure condition and to notify the appropriate personnel of the corrective action to be taken. Fault management system approaches are described in U.S. Patent No. 5,984,178 whose incorporation is incorporated herein by reference.

The ATM machine 12 may also include a software function to help diagnose problems and provide a remedy service. As depicted graphically in Figure 2, the alternate embodiments of the ATM machine 12 may include a hypertext transfer mini-protocol server 109 which is in communication with the device interconnect software part 64. The server 109 is configured to receive the device's output messages and to produce hypertext transfer protocol records including document repopts to documents, which provide data representative of the state of the device for a diagnostic device 110 such as a computer terminal held in hand. The server 109 includes a common gate interconnect with the device software so that a technician can have access to the information in the records accessible in the hypertext transfer protocol addresses in relation to the status messages, and the corrective instructions. and input test through the diagnostic diepoeitive 110. The hypertext transfer protocol records generated by the server 109 may preferably include graphic and / or audio instructions indicative of the conditions of such problems, as well as the data of Corrective action and repair ineuse.

In the alternate versions of the invention, the functions of the hypertext transfer mini-protocol server 109 may reside in the dietary server 92. This may be particularly appropriate where the function of the dietary server resides in the computer in the host machine. ATM. Regardless of where the function resides, the use of the visual and audio output components generated from the processing documents associated with maintenance and diagnostic messages facilitates the service of the ATM machine.

The records or documents delivered through the mini-hypertext transfer protocol server may include instructions that correspond to the state or failure conditions. Such records or documents can be accessed locally as previously discussed, or remotely accessed. A technician using a hand held computer which includes an observer or other software operative to access the hypertext transfer protocol regietroe can access the documents located for maintenance, diagnosis and service purposes. In some situations the client interconnect and the listener associated therewith can be used to access the hypertext transfer mini-protocol server, or a separate observer, the display and input devices on the machine and which are intended for the use in Election activity can be used. Alternatively, fault and status messages can be monitored from the terminals at the places where they are connected in the network. The mini-hypertext transfer protocol server that handles status and failure messages can also be configured to send an email or other message to a selected network address or to a group of addresses whenever there is a condition or group of particular conditions.

A further useful aspect of the example embodiment is that the hypertext transfer protocol messages can also be sent to the hypertext transfer mini-protocol server to try to correct the problems. Such messages may include instructions that are operative to cause the running of the diagnostic tests and the delivery of messages indicating results. This can also include messages which cause dispoeitivoe to operate to test or attempt clearing bindings and other malfunctions. This can be done frequently from remote places. Of course, when there is a significant risk of unauthorized access to the failure or operating status of the server, appropriate security measures such as those previously discussed should be taken.

. A t * & .L. .. J'm .. *. a »M« .- «« .- JH., ---, ..---. «» »M8 * ^^ jüjt ^ g ^ L ^^^ fa ^^^^ AMj The records of the hypertext transfer protocol which indicate the status of the transaction function diepoeitivoe can have different forms depending on the configuration of the software and the needs of the system operator. In some embodiments, the device status information for one or more devices may be re-generated by indicia contained within a data object. The data object can be transferred to the other connected computers to provide the status data. The transfer of the data object can be achieved by a remote invocation method (RMI) for example. The data in the transferred data objects can then be used to generate messages and / or solids desired by the system operator. This technique can be particularly useful when the operator wishes to connect the machine to an existing monitoring system and the clues included in the data objects can be used to generate outputs or messages indicative of the state of the device that can be processed by the existing system. The connections can only be used to achieve communication between the existing surveillance systems and the transaction machines that have different types of data collection or different types of message formats. This includes machines which have different types of transaction function devices and capabilities.

The technique of transferring a data object can also be used to carry out the test or modification of transaction function devices. For example, the clues in the data objects can be modified by a server and the object is passed back to the machine. The software in the machine can cause the transaction function devices to operate or change the conditions or programming in response to the modified data objects. This may include, for example, clearing an indication of failure or having a device operate to clear a jam or carry out a test. The results of such activity can be reflected in the modified indices in the data objects which can then be transferred to the computer in the diagnostic terminal. Of course, the approaches discussed here are examples and other approaches will be evident to those experts in the art of the description given here.

Figure 25 shows a schematic view of a network configuration for an alternate embodiment of an automated banking machine of the present invention. The embodiment shown in Figure 25 includes an automated banking machine adapted specifically to operate in connection with the conventional automated banking machine sevenmae such as systems operating using the Diebold 9IX ATM message formats or other formats. ^ < ^ fa * j »Mft * ^ MM * MM ^ M ^ i j ^ flafa» at LbA-i r A conventional with the hypertext traneference protocol. A host computer 120 in eeta example embodiment is a host of conventional ATM machine that communicates using such message. The host communicates with an interconnection server indicated schematically with the number 122. The interconnection server 122 operates in the previously discussed manner and eeta in an operational connection in a memory that includes the information needed to convert the transfer protocol messages of hypertext pertaining to a transaction request to a 91X request message or other conventional message which may be handled by the host computer 120.

Similarly, the interconnect server 122 and the instructions and data stored in the memory are operative to convert a conventional command message 91X or other conventional command message from the host 120 into hypertext transfer protocol messages which can be used by the automatic banking machine to carry out the command. Similarly, the interconnect server 122 is operated to receive the hypertext transfer protocol messages that correspond to the response of the automatic banking machine to the commands and to produce the 91X reply message or other conventional reply to the host.

In achieving these functions, the interconnection server communicates with an interconnection client 124 which in the preferred embodiment is a COMM connection that operates on the banking machine terminal under a Windows NT® operating environment. The interconnect server 122 also includes a check / command gateway 126. The command / state gateway is operated to receive command and status messages from the software parts that operate the functional devices within the machine. Messages that refer to the devices are used to produce transaction messages to send back to the host 120. In addition, the command release gate part also produces status messages indicative of the disposition of the devices that may also be communicated to the host.

The interconnection server 122, the gate part 126 status and client interconnection 124 may reside in software eobre terminal automated banking machine. In this configuration the terminal appears to the host computer as being the conventional machine. The interconnecting server 122 and the command state gate part 126 may reside on a separate server, while the interconnecting client part 124 may reside on the terminal. This allows the interconnecting server 122 to handle a number of automated banking machines by connecting the machine llA t¡ateÍA ^ »Itil li-i-'lrilli & aÍ.lfe ^ L-rf" -ML "t" < rf < t < - - /. * • - -: -, -...- -l -.- ^ t.-L ^ - ^^ .- a - ^^^^ to the interconnection server through a network.

The alternate configuration of automated banking machine eietema moetrado in Figure 25 is particularly adapted for use in connection with the machine system existing ATM. The machine includes a computer with a document management part 128 which includes one or more obeervadoree vieiblee or not vieibles which operate in the manner of the embodiments previously described. The document handling part is referred to alternatively as an obeyer here for purposes of simplicity. The document handling part operates in connection with a network 130 to access the hypertext transfer protocol records in the form of documents through the servers 132, 134 and 136. For the purposes of this example the server 132 will be considered as the servant of the domestic bank that operates the automatic banking machine. The observer part 128 is managed to access the documents of the monetary bank for the purpose of obtaining the contents of the instructions for the purposes of extracting information for the clients as well as for operating the devices on the machine. Servants 134 and 136 are representative of another eervidoree which can be instructed by the automatic banking machine to access for purposes of downloading the documents which include information or intructions. Frequently such documents of X? iitto non-domestic bank servers will include information which is presented to clients such as advertisements, proportional material, quotations of shares or other types of information. It should entenderee that loe eervidoree 134 and 136 can be directly connected to network 130 or may be accessed through redee otrae and servers. In some incorporations talee servers can be accessed through the Internet for the purpose of providing documents to the automatic banking machine.

The document handling part 128 in this exemplary embodiment includes a terminal theater software part schematically indicated with the numeral 138. The end theater part 138 is shown schematically in greater detail in Figure 26. The terminal theater part 138 it includes a phase frame 140 and a theater frame 142. The rear stage frame 140, even when it resides in the viewer, is not visible on the screen of the automatic banking machine. The theater frame 142 is a visible frame and controls what the customer is doing.

As schematically represented in FIG. 25, the hypertext markup document handling part also includes a terminal director part 144. The terminal director part includes the directors which are related instances of small applications which they are used to carry out particular types of transactions. The directing manager usually corresponds to the operation of the small Java applications in the previously described incorporation.

The automatic banking machine of the example alternate addition also includes a transaction services application (TSA) schematically indicated 146. The application of transaction services provides security, terminal condition, terminal authorization and key management services within the banking machine automatic The tracing service application includes a function for communicating the hypertext transfer protocol messages with the interconnect server 122. The transaction service application may also communicate through a network such as a network 130 in a manner that is ee will explain later. The transaction services application also provides a server function that enables the tracing service application to carry out the functions of the device server 92 in the previously described embodiment.

The automated banking machine of the alternate incorporation also includes the interconnections of the device like a Java shown schematically in the number 148. The interconnections of the common Java device in AJt¿.¿- ** - ** »j -i * **». - vMMi? ñé & Sá ^^^^^ • gfBff The example incorporation are related instances of small applications which control and coordinate the operation of the functional devices 150 of the machines that carry out the transaction functions. Functional devices may include the dietary factors of the types described in connection with prior incorporation or other types of diepoeitives which operate to perform a function related to the transaction. The interconnections of the device such as Java 148 communicate with the functional devices through the interconnections of the common device shown schematically 152. The interconnections of the common device (CDIs) provide an interconnection that controls the electromechanical modules in the functional devices included in the banking machine automated The interconnections of the common device are shown schematically in relation to the diagnostic server 154. The diagnostic server operates in a manner similar to the server 109 of the previously described incorporation. The diagnostic server 154 is useful in the diagnostic status to correct problems with the devices in the automatic banking machine.

Referring again to FIG. 26, the stage framework 140 within the terminal theater part 138 is a component called the small stage application 156. The small stage application 156 is preferably a relatively thin component. The intructions related to a manuscript included in a document accessed by the observer selectively cause the small scenario application to notify a terminal director when an action eeta takes place in response to the instructions included in the accessed document. The small scenario application also operates to request that a new document be accessed. The small application also provides access to the previously discussed shared transaction data object that holds the transaction data.

The theater framework 142 controls the user interconnection as seen by the user of the automatic banking machine terminal. The client hypertext markup language schematically represented at number 158 in the theater frame 142 defines the signs of identification with events sent to a managed director through the small scenario application and provides an interconnection to the public methods of the adminstrated director. The managing director schematically indicated with the number 16 ° in figure 26, has a class which resides in the transaction service application (TSA) 146 as shown. The manager administrator class that resides in the transaction services application process is operated to load the terminal directors 144 to the -OaAtt-í »... ... LBdl3» .. 4 ^. »» »« AfaM > - ** document handling. The master manager also includes a small scenario application clause that resides in scenario framework 140. The small administrator and director scenario application class provides an interconnection for the client hypertext markup language to make requests to the administrator and director. Instruction in the documents can pass events through the small scenario application 156 to the administrator and director. Such events include a request to authorize a transaction. Such requests include indications that the consumer has completed a transaction or that the document loaded by the observer includes instructions requesting that the session be terminated. Other events which can be passed through the administrator and director include printed events. Other events in this example addition which can be passed through the small scenario application to the administrator and director include an indication that an entry was canceled or other user events defined.

In response to receiving events from the administrator, director of the displayed incorporation reverts to intructions in documents accessed by the observer to carry out functions which include changing the contents of the theater framework 142. The managing director responds to such instructions, also changes the director class active terminal. The administrator and director also traps terminal director classes for later use or terminal manager classes of loads and documents from a list of available servers. The administrator and director also provide access to shared tracing data objects that retain transaction data for a particular transaction. The director administrator also sends terminal theater events to the current terminal director stage control class and provides an off-screen time timer. Of course in other additions the terminal director can carry out other functions.

In the operation of the alternate embodiment shown in Figure 25 of the terminal directors 144 in the application of transaction services 146 selectively enables access of the documents with the document handling part 128. The accessed documents may include instructions which are used to operate the automated banking machine and the functional devices there. The transaction services application 146 is further operated to communicate the hypertext transfer protocol messages which are sent to the interconnection server 122 and which are used to generate the conventional ATM machine messages which can be handled by the user. by the host 120. The eurtido of cash and other transfers of securities are carried out in response to the approval of host 120, while the interconnection of others functions controlled through the instructions and in documents accessed through the observer.

In an exemplary embodiment the ATM machine or other tracing machine communicates with the host of a conventional ATM machine by passing the transaction data object between the computer in the ATM machine and the interconnecting server. This transfer is preferably achieved by invoking Remote Routing (RMI) of software such as Java. Of course other methods for transferring the data object file using the hypertext traneference protocol can be used.

As discussed previously, the transaction data objects hold transaction data and perhaps other data pertinent to the client or to the transaction. The machine acquires data pertinent to the transaction such as the account data of a card, a personal identification number of the customer, transactions and amounts requested, and includes this data among the transaction data.

Once the data is needed to generate a Transaction of conventional ATM machine are represented in the transaction data, the data objects are transferred to the interconnecting server. The interconnecting server is in operational connection with a data base 123 or other article that holds the conversion data as indicated schematically. The conversion data is output by the Software associated with the server to generate a conventional ATM machine transaction request message to the host 120. The conventional message can be formatted as a conventional 91X message or other type of transaction wiggle that is not conventional hypertext traneference protocol.

After processing the host 120 responds with a conventional reply message. The response message components are received on the server and processed in response to the conversion data to produce the modified transaction data in the data object. This modified transaction data preferably includes indicative data of whether the requested transaction is authorized or denied, as well as other data. For example, if the transaction is denied, it may include data that is indicative of the reason for the refusal.

The data object of the transaction with the modified transaction data is then transferred to the computer that operates the ATM machine by RMI or another method of traneference. The transaction e-services application 146 operating in the Software receives the data object and operates the transaction function devices in response to the modified transaction data. The object transaction data has the transaction data there also modified by the inclusion of the information that refers to the operation of the devices. After the devices have operated, the transaction data object with the additional modified transaction data is passed back to the interconnecting server 122. The modified transaction data is then used to generate a message for the ATM machine host. automatic. The message to the host includes data corresponding to the modified transaction data. Usually this message is a termination message without a conventional hypertext transfer protocol indicating whether the transaction was successfully carried out by the tracing function devices.

The format of conventional transaction messages that are not hypertext transfer protocol can easily be changed in the described embodiment. This can be achieved through the use of plugs. The plugs are operated to put data in, and to extract data from the transaction data object. The plugins achieve the converaion between the tracing data and the messages that are not of the desired conventional hypertext traneference protocol. The use of plugs allows the ATM machine to be more easily used than the embodiment described in connection with various types of conventional transaction networks.

The transaction data in the transaction data object are also preferably operated to have the computer operating the observer or multiple observers for accessing e-selected documents. This can be done to indicate that traceability is authorized or denied, as well as to have access to specific documents in response to the components of the message. For example, customers of banks other than the one that is operating the ATM machine can give certain promotions not preemployed to the existing customers of the bank. Transaction data indicative of why a transaction is denied can be used to access documents that provide an explanation or can encourage the client to take another action, such as taking a cash advance on a credit card or applying for a loan. .

The sietema shown schematically in Figure 25 is an example of an automated banking machine that achieves a wide variety of interface options available through the use of an interface language Hypertext Markup retaining compatibility with sietemas banking machine existing and the security techniques associated with the myths. Of course in other incorporations alternate configurations and approaches can be used.

An additional advantage incorporated in the system schematically re-illustrated in FIG. 25 is the ability to operate the software components of the embedded embodiment of the present invention in existing automated banking machines. As will be appreciated, handling Markup Language hypertext or other types of documents in conventional computers it requires inputs through a board QWERTY and grips mouse in locations corresponding to icons or other característicae on documents to navigate successfully and use such documents. Conventional automated banking machines do not usually include a full board or mouse. Rather, conventional automated banking machines generally include an alphanumeric keyboard similar to that used in telephones as well as in the function key. The embodiments of the present invention allow the operation of the system with terminals which have such interconnections that operate in a manner which achieves the benefits of the invention. £ ¿^ ^^, ^ ^^^ * faith *% í £ jy ^ ^^^ g ^ ¿gj N 27 shows an example of an interconnection conventional automated banking machine 162. The interconnection 162 includes a output device which includes a screen 164. The screen 164 may be a CRT, LCD or other conventional display screen. In the screen shown of the incorporation 164 this is not a digital screen as in the incorporation previously described. A plurality of function keys 166 are placed in places adjacent to the screen 164. A keyboard 168 also 10 is included in the interconnection 162. The keypad 168 includes alphanumeric keys as well as certain other keys indicated such as "cancel" "correct" "is fine". Other keys and keyboards are usually but they are blank and in some cases they can be used. 15 In the operation of a conventional automated banking machine, the screen data which is generated from the information stored in the memory of the terminal produces different transaction screens. 20 which are presented graphically on the screen 164. The screens appear in a sequence in response to the transaction function selected by the client. Conventional screens usually include text or representative graphics of selections that can be made by a 25 client. These text or graphic options usually include lines or other clues which extend to the edges of the screen adjacent to one of the function keys 166. A user is enabled to select the options by pressing the function key which is pointed by the selection. In a similar way the operation of the automated banking machine a user is enabled to put the alphanumeric characters which comprise the personal identification number and an information numerical quantity and other instructions by pressing the keys on the key pad 168.

In an exemplary embodiment of the present invention the software operated in the automated banking machine operates to convert the standard ATM machine key entries to operating system events such as a mouse click on a desired location or an entry of a board of type QWERTY. The software components which enable performing this function are shown in Figures 28-30. These functions include a small keyboard application 170. The small keyboard application 170 described in the introduction is included between small applications terminal directors 144. The small keyboard application 170 holds a subset of functionality common interconnection keyboard device (CDl).

The small keyboard application 170 coordinates with í »* áik * ékJ? * ¡? á *? ± ki £ lé > iíi *. .. -. ^. j. A. i * -.,.,., T.A * ^ aa * aaMÉtta «isaÍMíIíIMfe ^ ttjfaMi & ^ & - the dashboard command server operating in the transaction services application 146. The server in the transaction services application communicates with the interconnection of the common device for the keyboard and the function keys indicated schematically with the number 172. The common key device interconnection in the preferred embodiment is a JAVA program which is mentioned as a wrapper for the common device interconnection associated with the function keys and the keyboard.

The software further includes a keyboard mapping program shown schematically 174. The keyboard map former in the example embodiment is in connection with the database 176 which stores a plurality of map sets. In the example additions the keyboard map former is an extension of the object keyboard class used to operate the keyboard. The keyboard maps operate to store keymap sets in the database 176. This is accomplished by reading the information in the configuration database for the ATM machine to obtain the keymaps that are operated on the keyboard. machine in particular. During the operation, the keyboard map maker selects one of the key maps as the current game. This is done in response to the small keyboard application and is based on instructions in the hypertext transfer protocol registers. which eelectively acceeadoe. The keyboard map maker can select key maps that respond to instructions in documents processed through the observer. The keyboard map former also operates to allow the keyboard and the appropriate function keys for the selected particular map game. The keyboard map former is also operated in response to the selected set of maps to translate a key input signal or a function key input signal into a respective keyboard or mouse input signal which is then delivered to the keyboard input current or the mouse input current of the seventh operation of the computer on which the software operates.

In the example incorporation, the map sets each consist of picadillo tables. The objects of the key map are stored as values in the hash tables so that each object includes the values and operations necessary to convert any appropriate ATM machine key event to an operation system input event.

As can be seen in the case of function keys adjacent to the ATM machine screen it may be desirable to provide a mouse input to the mouse input stream corresponding to a Coordinated location in particular for the mouse input. This is provided by the dashboard mapper using the selected keymap game. The various key map sets allow the different function keys to provide different type of inputs to the computer operating system in response to the document processed by the observer to produce the output displayed to the user. In addition, the keyboard map former causes a selected key to be pressed to produce an input corresponding to a mouse oppression in a selected coordinate position X, Y on the screen. It should be understood that any keyboard keys or function keys can be used to produce the mouse inputs. The similar function key entries can be converted to keyboard inputs. In some embodiments however it will be desirable to disable the mouse pointer on the screen so that the user does not notice a usual mouse icon. Such disqualification may include in some additions reducing the size of the mouse icon so that it is so small that it can not be easily seen by a user of the machine.

During part of the same transactions it may not be necessary for the user to press any keys. In such situations some preferred embodiments of the invention operate to disable keyboard keys and / or function keys. Because the resources of the computer are used in gathering such keys for inputs, the termination of such a connection during appropriate times allows the computer to allocate resources to carry out other functions. This will increase the speed at which other activities can be carried out. This can be achieved in some additions in the small keyboard application that operates to remove key devices from a list.

Figures 28-30 include schematic displays of the examples of the operation of the keyboard map builder and the small keyboard application. Figure 29 shows an example of a keyboard entry 168. In this example the small keyboard application 170 generally replies to instructions in a hypertext transfer protocol record such as a hypertext markup document or other events. , transmits and enables events for the application of the transaction services 146. In response, a map set of the database 176 corresponding to the particular map name is selected. The keyboard command server is also operated to enable the appropriate key of the ATM machine.

In this example, in response to the client pressing the "OK" key on the keyboard the common gate interconnect generates an appropriate signal for the application of transaction services. As will be noted from Figure 27, a "good" key is mentioned as the "J" key convention of the interconnection of the ATM machine. The application of the tracing services transmits the generated signal from the selection of the "J" key by the client to the keyboard map trainer 174. In response to receiving the signal, the keyboard map trainer operates to resolve the object in the set of maps corresponding to the name of the map that will convert the input signal of the function key into a keyboard input signal which is recognized by the operating system. By calling the selected object from the map set, a keyboard input signal is produced and delivered to a computer keyboard stream. This is represented by keyboard current 178. In the embodiment shown the keyboard current is an input to the Windows NT® operating system. The small keyboard application 170 operates to perceive the input through its corresponding keyboard listener. The small application 170 also operates to receive the event and can operate to display an icon or other graphic that corresponds to what the client has entered.

Figure 28 shows the operation of the keyboard map former in situations where the transaction service application operates to prevent transmission of data entry by the client to the small application 170. tA »-.l -? - lli'j l¡ÍÉi1l.]? - t? ^ & jtg * j ^ l,? l & M? ^^ íÍaLa ^ ift? ij» 'This can be For example, in eituacionee where the customer's entry is the customer's personal identification number or other data which are not displayed. In these circumstances, the application of tracing operation 146 operates to retain the data entry by the client and only a signal representing a retention character is sent, in this case the "*" symbol back to the observer. This is done selectively in response to the constraints contained in the document and accessed by the observer or in other hypertext transfer protocol records accessed by the computer indicating that the customer's entry corresponds to the personal identification number or other data which they are not going to be sent to the observer. In the example shown in Figure 28 only the retention character is passed through the keyboard map maker to the observer. In situations where the registry of the hypertext transfer protocol invokes methods in which the numerical values are going to be sent to the observer and / or displayed on the screen (such as the amount of a withdrawal transaction) the signal sent by the application The trainer's service to the observer is indicative of the numerical value associated with the key pressed.

Figure 30 is a further example of the operation of the keyboard map former in this case the input corresponds to a function key 166. In this case ? ? Á átAnÉiÉtii; k., Feüai ?. . i *, rL r. - £ 4 A makes the entry by pressing the function key "A" which is shown adjacent to the upper right corner of the screen as shown in Figure 27. The signal generated in response to the oppression of the The function key is passed to the keyboard map former which in response to the data obtained from the data store 176 outputs a mouse input corresponding to a mouse oppression. The mouse input includes data representative of the "x" and "y" coordinates on the screen where the mouse oppression is provided. The mouse input signal is passed to the mouse current input schematically represented with the number 180.

As will be appreciated, to enable the automated banking machine that processes the documents for operation using a conventional ATM machine interconnect, the mouse input will generally include coordinated locations which correspond to a location on the screen adjacent to the particular function key. . This is because the icon, line, text or other indications which the client is selecting by pressing the key that will appear preferably or will extend on the screen adjacent to the key. In this way, the client is aware through the representation of the country of what key to press to make a corresponding selection. A function key number adjacent to the screen can be operated at any time. The customer can make the selection by pressing a function key in one place and then a function key in another place placed from the first location. This will result in signal that they are sent to the mouse current corresponding to the mouse oppressions in coordinates on the screen adjacent to the function buttons preecionados by the client. During transactions, various combinations of function and dashboard keys can be operated and maps for various keyboards and mouse inputs can be formed as determined by the selected map sets. In addition, developers can develop special map sets that correspond to the particular graphics in the documents that are displayed.

In the key entry in the manner previous to a conventional ATM machine or other automatic banking machine keyboard can be transferred to a conventional keyboard or mouse input which can be identified and processed in a conventional keyboard input stream or mouse input stream for a computer. Similarly, the function keys can be transferred to the mouse inputs in selected places and delivered to the mouse input stream for processing by the computer or they can be converted into keyboard inputs and delivered to the input current of the computer. ..i &rt i m - ------ ^ -'- ^? ia.risíL.Hí? keyboard. An additional advantage of the terminal configuration described is that the key can be selectively disabled except when these are necessary. This can reduce cases of attempted inadequate or improper access to the machine by pressing the keys on the board. In addition, as previously discussed, steps can be taken to disable the key when these are not necessary to increase tracing processing speeds.

A further advantage of the incorporation of the present invention is the ability of the automated banking machine to provide printed documents based on hypertext markup instructions or other types of documents. Such impree items may include tickets, travelers checks, money orders, bank checks, manuscripts or other types of documents. The capacity of the incorporations to access and process the documents allows the printing of graphics and other indications which can produce documents and printed materials that have selected appearance characteristics and selected ornamental designs. This can reduce the need to use preimpreeae forms and also allows the printer a greater variety of printed formats. In addition, the configuration of some of the machine's features allows the importation of only selected parts of the transaction information for record keeping purposes within of the machine while providing versions including increased graphics or other attractive features for customers.

Figure 31 is a schematic representation of the operation of the system in the forms of printing using a printer in an automatic transaction machine. The example form of the invention uses the WIN32 printer services which operates under Windows NT® 4.0. In the example transaction shown, the administrator and manager class 180 operating in the terminal theater part 138 initiates a print receipt transaction by requesting a print manager 182 to print a receipt. The director and printer in the example incorporation is a collection of instances of the JAVA related niplee which operates to carry out printing activities and is one of the directors among the terminal managers 144. The director includes a printing capree. which is schematically shown separately which is operated to invoke a print URL method. The printer clause in the example incorporation includes access to the shared traceability data object which includes the specific information of the client in relation to the transaction that includes representative indications of the information to be printed. In the case of an automatic banking machine this may include for example representative indications of information which is < ai > iHaiJt.- -ái-.Ma.¿t..j. .., ..-?., .-. »- ^. ^ LL -. ^ G --- - * ¡* ^. ¿'^ Read by the customer card entry to the machine and read by a reader Of cards. This will include for example the customer's name and account number. The other transaction information may include the types of transactions carried out such as a deposit, withdrawal or a question as well as the amount involved in each respective transaction.

The transaction services application 146 receives the print request and passes the URL string to the WIN 184 printer object by the print URL method. The URL in an example embodiment is the address of a hypertext transfer protocol record such as a hypertext markup document that will be used to format the document to be printed, in this case a receipt. The hypertext markup language document contains the embedded JAVA manuscript that processed the transaction from the transaction data object. The URL of the document can be on a local machine or can be retrieved from another server such as through a network indicated schematically with the number 186. The network 186 can be a local area network or a wide area network depending on the configuration of the machine.

The WIN 184 printer object then navigates to the address of the document to be accessed. This is done in a preferred embodiment using an Observer C control of Network 2 Active X of Microsoft. When the hypertext markup language document has been loaded, the Active X control automatically begins to process the contents of the accessed document. The transaction service application 146 invokes the print URL method of the printer object WIN 184. The printer object WIN uses the active control X to print the document of the current hypertext markup language. The impreement is proceeded by the Windows NT® printing and reel components.

The JAVA CDl receives an event from the print monitor component 192 which indicates that the print winding has been completed. This indicates that a file is now available to be read and sent to the interconnection of the common device (CDl) 188 of the receipt printer.

The following printer object 190 invokes a data function read on the print monitor 192 to determine the location and size of the print data file. The printing object 190 sends the data or the path name of the data record to the common printer device interconnect 188. The interconnection of the common printer device 188 then passes the print data to the first print device. This results in the printing of the receipt. ij M U ± .íi tr 142 Once the receipt is printed the small application from the printer director 182 issues an application to deliver the printed receipt. The delivery request is passed through the application of transaction services 5 146 to the object of the printer 190. The object of the printer 190 invokes the method of delivery on the interconnection of common printer device 188 to cause the receipt to be delivered to the user of the machine. The operation of the software components allows the user to access the 10 document format as well as using the intructions contained in the documents to include the transaction data within the impreeoe documents. This allows the production of documents of various types. In addition, it allows to provide different types of document printing for 15 different clients. This may be desirable when marketing information, coupons or similar indications are provided on transaction receipts. This approach also simplifies providing printed formats in various languages by developing language documents 20 of hypertext markup which provide printed formats in different language. As you can see, numerous types of documents can be established in such a way that they include intructions that put on request and / or process certain data in the transaction data object. 25 to produce printed forms. In addition to the methods of the present invention they can be used to provide the i- Aéé - * - "** - * - *. **» *** - .. .. ~? ** ^ _fcg¡t «a £ st..fif¡íítti?; i > gjfejgjj ^ Ri_ &g «ggi ^ _ marketing to customers through the profile or types of customer categories as well as over a segment of a base.

Even though the previously described printing method is discussed in relation to the delivery of transaction receipts, similar methods can be invoked for the printing of statements for clients as well as for printing a transaction log within the automatic banking machine. In addition, by accessing certain documents that control the printing format of the information, the journal records can be provided with consolidated information in a way that allows to keep the journal paper inside the machine by not printing the promotional information or Other types of information that are provided in customer documents.

The printing method of the exemplary form of the present invention also allows the printing of various types of optical indicia such as bar codes or other types of readable indicia by the machine that can be used to print coupons, checks or similar items. Such coding can facilitate the tracking of the use of such items by customers for purposes of evaluating the effectiveness of various marketing efforts. In addition, the readable signs of the machine can be used to print on items such as deposit envelopes and / or transaction logs. Such an impression can facilitate the reading of such articles by the machine to verify the contents of the deposits.

The printing capabilities achieved through the methods of the present invention also allow the printing of selected graphic materials. This may include, for example, materials that include embedded digital signatures that can be used to verify the genuineness of the printed matter. This can be particularly useful for example in situations where the transaction machine is used to print a manuscript, traveler's checks, wagers or other items that have an independent value. In addition, printed documents in complete control can be produced by including a color printer in the transaction machine.

The principles associated with the forms of printing of the automatic banking machine are also applicable to the development of other electronic and hard copy forms. As discussed previously, in the embodiments of the invention, the tracing data may be delivered to the home bank as a hypertext markup document or other hypertext transfer protocol message. Such documents can h? é kíriM? í ?? j á ^^ * ae & M ^ -i ~ - »..? .- m * ah * *** * * * w * ?? ^ MitAi ^ include instructions which when processed by an observer, operate to extract or manipulate the data there from so that they can also be processed and / or stored in a different format. Such processing may include, for example, the conversion of the data in the document to a non-hypertext transfer protocol format such as the Diebold 91X NCR PAS or IBM 473X format.

In some circumstances clients in an automated banking machine may be presented with promotional offers or offers to buy items or services. These offers may come from the seller's entities not associated with the institution with which the consumer has an account. Such offers to be accepted may require that the customer provides information to the seller. Such information can commonly include accumulated data in the transaction record or in the transaction data object. For example, the seller of the services or goods will often require the customer's name and the data of the account number to upload the goods or services. As previously discussed, the transaction data object may also contain personal data about the customer that is stored on the customer's card or other item and read by a reader on the machine. In the sample additions, vendors of such articles or services may have accessible applications on a server. These k * fc-Éifc «jfeato, ^ Mrf-amiák« -k Ega applications may include documents which have instructions there to initiate and / or process the information in the transaction data object to provide the information the vendor needs to consummate the transaction. This can be accomplished by navigating one of the visible or non-visible obsectors in the banking machine to the network address in which the documents of the vendor are received in response to the instruction entry by the customer who wishes to accept an offer or carry out such tranection.

In the sample embodiment, a vendor form can be viewed on the merchandiser and printed by the customer in the automated banking machine. If there is a need for additional information from the customer or for the customer to make selections, the seller's application that comprises hypertext markup language, other type of markup language or other documents may request such information through the customer interconnection of the banking machine. The seller's application may also have the limitations of customer recognition of exceptions related to the items or services being offered. The printing capabilities of the example addition also allows to provide a customer with a printed version of a computer generated form or contract that reflects the information in relation to the nj fcSaAtüsft át h - »¡& M¿ - tÜ- - - - transaction and terms associated with it. In addition, any special provision talents such as an implied notice that the client has a right to terminate traceability for a period of time and what pays the client must take to rescind can be provided in a hard copy format.

In the incorporations, the offers or transactions provided through the automated banking machine by the sellers of goods or services can use the same or at least some of the documents that comprise an application which is used to carry out transactions electronically when the customer is not operating an automated banking machine. For example, form type documents can have data populated there through the user's home computer when the transaction is carried out away from the automatic banking machine. When tracing is carried out in a banking machine, the information in the traceability data object or another tracing region is used to provide the necessary data.

This capability provides opportunities for vendors to develop applications that can be used over the Internet for home personal computers as well as for customers who use banking machines. ^ á? ß * ^ ¿^^^ ?? ^. ^ k ??. automatic Such capabilities also allow the sellers and banking institutions to develop applications such as domestic banking applications, applications to carry out purchases and account payment applications that can be used from both the personal home computer and the automated banking machines. Because the automatic banking machines have access to data which are stored in the bank office, personal data data stored on a card or accessible from another data warehouse, the system of the invention can be configured in a manner that the additional information can be included in the traceaction data and the need to put them by the client in the banking machine. This allows transaction processing on the banking machine faster than what might be possible on the customer's personal home computer. In addition, using the banking machine to carry out transactions allows the client to carry out the transactions using the security associated with the banking machine system.

The use of automated banking machines to carry out transactions that can be carried out through a personal home computer has an advantage in that it includes the ability to provide the customer with forms of hard copy receipt. documenting the transactions conducted. The use of the banking machine can also provide customers with greater confidence that the transactions have been recorded since the bank can also maintain information that documents ^ 5 transactions still through if the traenection is between the client and a third person. Banking machines can also provide forms of receipt that are deliberately made more difficult to counterfeit or which have capabilities to be verified as genuine. The use of 10 image of image registration in relation to banking machines can also be used to verify that a transaction was carried out by an authorized person. These characteristics also allow the institution that has the client's account to offer promotions such as prizes, 15 guarantees or extended prices to carry out transactions with the involvement of the institution. Numerous advantages within the scope of the present invention can be achieved. 20 Terminal directors, as discussed previously, are software components that compose a collection of objects such as small Java applications or Java nipples. Java nipples are Java classes that adhere to the Java nipples specification. These objects are 25 operated to sequence the transactions of the ATM machine. In the incorporation of example there ; * »----. -: ".., •, --.-.._ ,, .- a-¡- -L,.,; - ~ _., R,. ,. --í «- .. j jeSa-ü. iuaj £ í Í ** ** ** * to l? i ni LFF ^ »^ .L .. '3-I' aai 'ai.- typically a terminal transaction manager. For example, . two terminal directors are the withdrawal director and the director depóeito which are operated to control the function of an ATM machine for the withdrawal and deposit 5 respectively. Otroe terminals directors are responsible for other types of transactions such as the transfer value between accounts and carrying out a question of a balance available for an account.

The example embodiment of the present invention includes methods for creating terminal directors in a visual programming environment by linking a plurality of visual icons that are representative of related Java niplee instances. Even when the example incorporation uses Java niples, the present invention boats any type of objects or class that is operated to group the related programming logic, events, properties and methods. Other examples include the C ++ classes, the CORBA objects, the active objects X, and the 20 COMM objects. Previous examples of these objects include the small scenario application 156 and the small keyboard application 170.

The present invention includes a plurality of these small specialized applications, claee or objects that are designed to encapsulate functionality specific to automatic transaction machines such as ATM machines, and other types of self-service terminals. These objects are hereinafter referred to as the ATM machine objects and are designed to make the basic building blocks to create terminal directors. For example, some ATM machine objects operate to control the various items of an ATM machine, such as a card reader, a presenter, a dispenser, a printer and a keyboard. Other ATM machine objects are operated to control the function of a transaction such as authorization and customer profile management. In addition, other ATM machine objects are operated to handle the transaction data and the processing of the personal identification number.

In the incorporation of example, the theater directors are created by means of setting up instances of this object of the ATM machine. Figure 36 schematically depicts a visual programming environment 220 that allows a programmer to visually construct a terminal manager 225. In the example embodiment the visual programming environment is achieved by running an IBM visual age for JavaMarca. However, the present invention encompasses any visual programming environment that is operative to allow a user to visually associate groups of individual ATM machine objects, to instantiate the ATM machine object / s and specific characteristics of the objects and to make connections between objects.

The visual programming environment 220 includes a palette 222 including icons which are visual representations of these ATM machine objects. A programmer is usually enabled to create a terminal director 225 by selecting the ATM and individual machine objects as required and placing them in a visual workspace 224. Placing the ATM machine objects in the workspace 224 , is operated to make the object inefficient. The ATM machine objects instantiated are represented in the workspace by the labeled icons such as ATM machine objects 230 and 232. A developer is also enabled to link ATM machine objects together to create associations. or trajectories which program the logic of the terminal director 225 that will follow. These trajectories are represented by a solid line 238 between ATM machine objects.

Once an ATM machine object has been placed on the work space, it can be made to specify how it will interact with another ATM machine object. This was accomplished by modifying one or more properties of the ATM machine object and by creating connections or trajectories visually indicated among the ATM machine objects.

For example, the object of the ATM machine 232 is representative of a specific type of ATM machine object called a scenario control that uses the services of the director administrator to control such properties as the observer's URL. In this described terminal director 225, the object of the ATM machine 232 has been called "service menu" 231 because it has been configured to have the observer open and the hypertext mark-up language machine to service the ATM machine.

The objects of the ATM machine typically include one or more events. Such object events of the ATM machine are signals or messages that indicate that something has happened. For example, when a bank card is inserted into a card reader device, a card reader event will be triggered on an ATM machine object designed to monitor and control a card reader.

ATM machine objects also include methods. ATM machine object methods are operations or functions that can be performed by an ATM machine object. For example, an ATM machine object for a card reader will include a method of ejecting which is operated to have a die-card reader extrude a bank card.

Figure 39 is a schematic of exemplary types of ATM machine objects 256 and their associated icons 258. These ATM machine objects include the object of authorizing 260, a scene control object 262, a reading object of card 264, a customer profile object 266, a depositor object 268, a supplier object 270, a keyboard object 272, a logic object 274, an OCS 276 object, a presenter object 278, a number entry object of personal identification 280, a printer object 282, a sync object 284 and a transaction object 286.

The example authorization object 260 includes the function to handle communication with an authorization agent such as a host banking system. In this example embodiment, such communication includes requests to authorize, commit and reverse a transaction. He The authorization object interacts with the authorization socket to send and receive data from the authorization host.

The example scenario control object 262 includes functionality to use the services of the director administrator to control the URL property of the observer, to load directors and to receive events from the observer. The scenario control object comprises the function of the small application of scenario 156 previously decreed. Each terminal director requires at least one stage control object 262 which provides the communication link between the director administrator and the terminal manager. For example, the scenario control object navigation method is used to change the hypertext language page that is being displayed. In addition, the theater events that are associated with the inputs such as pressing a button on a hypertext mark-up language page are set out in step 262.

The sample card reader object 264 is one of a number of ATM machine objects designed to control an ATM machine device. In this case, the card reader object 264 includes functionality to control a different card reader.

The example client profile object 266 includes the functionality to capture and retrieve information about a client. The profile object may include an indication if the user of the machine is a customer who is going to perform a banking transaction, or a server of the machine that is authorized to carry out one or more types of service activities. The profile object can also include the function of the small profile application previously discussed. The client profile object 266 preferably interacts with one or more client profile plugins to retrieve and update the client profile information stored in a plurality of different locations such as a local data store, an external data store, a server of application or any other location that is operated to store information in relation to the user of the ATM machine.

The object of the example depositor 268, the publisher object 270, and the keyboard object 272 include functionality to control a dietary agent, a dispensing device, and a keyboard device. respectively. The keyboard target 272 includes the function of the small keyboard application 170 discussed previously.

The example logic object 274 is a special ATM machine object that does not monitor or control the external ATM machine devices., but rather controls the flow of logic between ATM machine objects. The logic object 274 includes the functionality to determine the truth value of a comparison between two different call methods and operations of one or more ATM objects depending on the result of the comparison. The example OCS object 276 includes the functionality to handle the processing of host commands and host command response. The OCS 276 object interacts with an OCS server and a status / command plug to communicate with a host. The subject of the example presenter 278 includes the function for controlling a presenting device such as a device for presenting assorted sheets. The example personal identification number entry object 280 interacts with an input event server to handle the input mode of the personal identification number. The example printer object 282 includes the function for controlling a printing device.

The sample sync object 284 includes the function to synchronize multiple processing path. The synchronization object 284 also provides a timer for one or more processing legs. For example, in a terminal director designed to remove a synchronization object can be used to handle the synchronous assortment of cash and receipt preparation.

The transaction data objects of example 286 as ee discussed previously include functionality for 10 provide a depoeito of transaction data that can be shared between the directorate terminalee, the observer and the authorization agent. Examples of the data handled by the transaction data object 286 include the withdrawal amount, the account number and the type of account. When the If the request method of the authorization object 260 is called, a copy of the transaction data may be passed from the tracing data object 286 to an authorization host to authorize the tracing. 20 A subject of an ATM machine described in an exemplary embodiment of the present invention. However, the present invention also encompasses another type of ATM machine object that encapsulate the function of a ATM machine terminal. 25 automatic. Another type of ATM machine object can control diepoeitivoe such as a reader of ? -:? - - «--- --- k-S-ü-tae-L. fingerprint prints, an iris scanner, a smart card reader, a sound system, a notepad printer, a check browser, a statement printer, a ticket printer, a coupon printer, a card encoder telephones or any other type of device that can be operatively connected to an ATM machine. In addition, another ATM machine object is operated to interact with data banks, servers and other types of computer systems to retrieve and send data to and from the ATM machine terminal.

Figure 37 is representative of a part of the old workspace 224 that includes the example assignment or path 238. The example assignment 238 corresponds to a sales connection or method between two ATM machine objects 230 and 232. The Example visual programming environment lays event-to-method connections between ATM machine objects to control the function and flow of a transaction from an ATM machine. The flow of a transaction progresses from one ATM machine object to another through the succession of an event of an ATM machine object with a method of another ATM machine object. The visual programming environment in the sample incorporation includes visual cues to indicate the direction of program flow. For example, box 248 on one end of connection 238 indicates the source of the object of the ATM machine. An arrowhead 250 on the opposite end of the connection 248 indicates the purpose of the target ATM machine. When an event in the ATM machine object source 230 is triggered the program flow will be transferred to a method of the target 232 machine object. Of course in other embodiments other types of visual association indications may be used. between the objects.

For this example terminal director 225, the object of the ATM machine 230 is a logical object 274 called "isService" that has been configured to trigger either a true event or a false event whether or not the user has permission to use the service of the ATM machine. The object of the ATM machine 232 is a scenario control object 262 which is as previously discussed the so-called "service menu" in includes a navigation method that is operated to open a hypertext markup language page of service menu in the observer.

Figure 38 is representative of a window 246 in the visual programming environment for creating, editing and modify an event-to-method connection. Here the window 246 displays the parameters for the event to method connection 238 which specify when the source event 243 is triggered in the source object 242, the target method 245 will be called in the target object 244.

As shown in Figure 36, not all ATM object groups are interconnected. For example, ATM machine object groups 252 and 254 are not connected. This reflects the «Characteristic of terminal directors to an event driven.

Each of these groupings is representative of a subroutine or specific terminal director function that is initiated by the triggering of an ATM machine object event or a call to an ATM machine object method.

ATM machine object methods frequently require arguments. In this exemplary embodiment of the present invention, these arguments may be provided by the parameters of the ATM machine object or other ATM machine objects by visually creating associations or parameter connections.

Figure 37 includes a parameter connection ia «to.a.AAJfefaifct.»?, .. * ¡*. sa & jk? í * í ^ ^ ^ la ^ ^ & i ^ ^^ l & The visual parameter connection is operated to supply a value for an argument of a method. The visual parameter connection 236 includes a solid circle at one end which serves as a visual key that the type of object client 226 supplies the argument. The opposite end of the visual parameter connection 236 connects to the event connection to method 240. The overhead arrow 241 associated with the event-to-method connection is the visual key indicating that the logical object isService 230 includes a method that is the objective of both the event-to-method connection and the parameter connection.

For this example terminal director, an ATM machine object 228 is a personal identification number entry object 280 that includes a personal identification number entry event. The event connection to method 240 has been configured so that when the personal identification number entry event is triggered a comparison method of the logical object isService 230 is called. The parameter connection 236 indicates that the method of comparing ee called with an argument supplied with the consumer type client profile object 226. The compare method of the logical object isService 230 has been configured so that if the customer type data value of the customer profile object 226 is equal to a representative value of a server-type client, it will fire a true event Correspondingly, if the data value of the client type is not representative of a server, a false event will be triggered. Triggering of the true event as specified by the event connection to method 238 results in that it has been called in the navigation method of the control object of service menu scenario 231. Triggering of a false event as specified in the event connection to method 250 results in that the navigation method and the main menu scenario control object 234 has been called.

Figure 54 schematically represents the programming architecture of a terminal director comprising the ATM machine objects. As discussed precisely, a terminal director 290 is a small application comprising a plurality of ATM machine objects 292 for sequencing ATM machine transactions. Each ATM machine device 298, such as a card reader or a printer, has a corresponding ATM machine object 292 that operates to monitor and control the operation of each ATM machine device 298.

The director manager 291 is operated to upload and download the finished directory 290 and helps provide the programming path of the hypertext markup language pages 246 to the terminal directors 290.

To communicate with the external hosts 304 the interconnecting socket connectors provide an interconnection between the ATM machine objects 292 in the terminal director 290 and an external host 304. In the example embodiment, the plug-in eeports the Diebold format messages. 91X, including configuration, tracing, status and command messages.

Examples of these plugs include the OCS plug (command status) 302 and the authorization plug 300. As previously discussed, the object of the OCS 276 ATM machine interacts with the OCS plug to provide "in service" and "out of service", which originate from a host 304. The OCS plug 302 also provides methods for sending a command state and user events to the host 304.

The authorization plug 300 is also operated to communicate with the host 304 that was operated as an authorization agent. The authorization object 300 interacts with the authorization socket 260 to handle transaction messages including authorization, obligation and reverse requests with the agent host of authorization 304.

As previously discussed, the client profile plug 306 is operated to retrieve the user profile information from a local or remote data bank 308. This information can be used to customize the ATM machine terminal for each consumer 294 use the ATM machine terminal. The client profile object 266 interacts with the client profile plug 306 to retrieve and update the client information in the database 308.

Once a terminal director is created in the workspace 224, the visual programming environment is operated to save the terminal director as a small application, Java class or other object. Such small applications are operatively stored as programming instructions in response to ATM machine objects and visually created associates in work space 224. For example, the terminal manager may be stored as one or more source records. Also the terminal director can be collected and stored in a form that is operated for use with the automatic transaction machine of the present invention such as small applications, EJBs, COMM objects, CORBA objects, DLLs objects, or any other type of container. software. Director -y > "-te) ^ j- &. &Visually created Máiásfr can then be integrated with other terminated directors to control the function of an ATM machine terminal of the present invention. In an example embodiment terminal directors can reside in an accessible memory such as a hard disk or RAM from either a local computer or a remote network computer. In the example embodiment terminal directors can be retrieved by the ATM machine from a remote or local file system. Also the terminal directors can be recovered from a network server or from a local or remote database. In other example embodiments, the directing terminals can be integrated into an application server.

During a typical customer session, the ATM machine terminal will use at least three directors: a control director, a transaction manager and the terminal manager. The control director typically responds for the card entry, the entry of the personal identification number and the transaction selection. The transaction managers are responsible for the authorization and control of the device in the course of the selected transaction. The termination director is typically responsible for closing the transaction including the return of the customer card.

The visual programming environment, in the example embodiment of the present invention, allows a user to create new terminal directors or to prepare ex-terminated terminal directors to adapt to the requirements of a particular banking institution for the needs of the clients using the terminal. ATM machine. The visual programming environment provides a flexible and intuitive programming environment that allows a developer to visually connect together a plurality of specialized ATM machine objects to create an interactive ATM machine application.

Figures 40-53 schematically represent the properties, events and methods associated with the ATM machine object of the example embodiment. Many ATM machine objects produce synchronized events. When the methods and functions of the ATM machine objects are brought to perform an action, the ATM machine object waits for the action to complete, and then triggers an event indicating the result of the operation. In the sample embodiment there are four operation events that are common to most ATM machine objects. As shown in Figure 41 with respect to the authorization object 260, these operation events 348 comprise an operation success event 344, an operation failure event 342, an unavailable event operation 344, and an unsupported event operation 346. The unavailable event operation 244 indicates that a device is temporarily unavailable due to to which, for example, it has been put into maintenance mode. The operation of the unsupported event 346 indicates that a device is not supported in the ATM machine.

The sample authorization object 260 also includes a number of specialized methods and events. Examples of the authorization object methods include the one authorizing method 320, a committing method 322 and a reversing method 324. When these methods are invoked the authorization object 360 is operated to interact with the authorization plug to communicate messages with the authorization host to either authorize, compromise or reverse a transaction. The authorization plug converts authorization methods to the appropriate messages to choose the host protocol, such as the 91x switch. For example, terminal directors who are operated to carry out a withdrawal transaction will typically include an authorization object 260. Before the cash is delivered to a consumer, an authorization request is sent to an authorization host by invoking the Authorized object authorization method 320.

The example authorization object also includes a plurality of events such as a hot card event 326, an invalid account event 328, an invalid amount event 330, an invalid personal identification number event 332, an overload event 334 These events are triggered in response to the receipt of a status code from the authorization host.

This example embodiment of authorization object 260 also includes the ability to extend the base event set through a user state event 336. The authorization socket can be configured to trigger the user state event when a message Status from an authorization host includes a unique status code. This code is placed in a user status field of the tracing object. When the destination event of the uear is triggered, the authorization object of a terminal director can be configured to call a method of a logic object which is operative to compare the value in the user state field with a known game of poible bird codes.

Figure 41 is representative of a method and events for the scenario control object 262 of the example embodiment. As previously discussed the scenario control object 262 interacts with the Í .. * »> • * »..-. administrator manager 291 to establish the URL in the Observer, to load a new Terminal Director, and to put a new document base for the Observer. In the example embodiment the scene control object 262 includes methods such as the navigation method 350, the navigation director method 352, and the clear document base method 354.

The navigation method 350 is operated to establish a new URL in the observer. The URL is passed as an argument to the navigation method. The URL can be an absolute address that includes the full URL specification starting with "http: '\\" or the URL can be a relative address that begins with a "\" and is relative to a document page of markup language. hypertext son or current. The navigator director method 352 is operated to load a new terminal director in addition to setting a new URL.

Both the navigational method 350 and the navigational director method 352 include a time-out argument that specifies the number of seconds before a timeout is triggered and a timeout page is displayed to the user. The stopwatch is a means to prevent the terminal of the ATM machine from hanging indefinitely on a page in case the client stops making selections. The navigate timer argument can be reset to zero A ifciá-á --- lL «- MÉa? ---? * I '- ¡¡.. - -, -, ....... a,» ,, «-" -. ,. . , - .. - «, - ^ ^ -a.,« ^ - * -. e.-..--- ataj - ^ - .. ".: .- ..» '; ?? »a i¿.¿- ^ * - ¿--Í- > These cases when an event or timer for another ATM machine object is guaranteed to go off regardless of the user.

The scenario control object 262 includes events such as an authorization request event 356, a cancel personal identification number request event 358, a 360 print request event, a non-oppression event 362, an event of complete transaction 364, an accepted charge-over event 366, a rejected surcharge event 368, a completed transaction event 370, user events 372, 374 and 376 and an event of oppression 378. These events are triggered by the administered director in response to consumer use of the hypertext markup language page. In the observer, for example, a button on the hypertext markup language page can be configured to trigger one of these stage control events in response to the button being pressed.

The scenario control object 262 also includes a number of events that are only triggered in reepueeta to the same manager admin. These events include an event loaded by director 380, a failed navigator director event 382, an unsuccessful event of navigating 284, and an off-screen event 386. The director-loaded event 380 is triggered when a director is loaded terminal. The unsuccessful director's event of navigating 382 was erased when the hypertext markup language or manuscript in the observer invoked the managing director to navigate to a new URL and to change the terminal directors and one of these actions failed. Similarly, the unsuccessful event of navigating 284 is delayed when the hypertext markup language or a manuecrit invoked the director administrator to navigate to a new URL and navigation failed. The 386 off-screen event is triggered after a specified number of seconds has been tracked by an action on the uery.

Figure 42 schematically depicts the methods and events for example incorporation of the card reader object 264. The card reader object allows a delaborator to create transaction directories which are used and controlled by the card reader of an ATM machine. . The purpose of the card reader 264 includes methods such as a method of enabling 390, a method for disabling 392, a method for delivering 394 and a method for retaining 396. The methods of enabling and disabling 390 and 392 enable and disable the card reader device respectively. The delivery method 394 is operated to eject the card to return it to the customer. The method of retaining 396 is operated to internally retain the card and is typically used in situations where the card is going to be IjÉ ^ á ájÉáila. retained, such as even when the card has expired, it is indicated that it is stolen or when the customer leaves the ATM machine without taking the card.

The object of card reader 264 includes the following asynchronous events: card event stuck 398, card read event 400, card retained event 402, card event taken 404, card cheat event 406. Each of these events are delayed in response to the action written in the name of the event. For example, when the card is read, the read 400 card event will fire. The card reading object 264 also includes the same set of synchronous operation events 408 as the operation events 348 described for the authorization object 260, when an enabled data card is read from the card and placed in a card reader in where the data can be tranemitted to the host or run in a customer profile.

Figure 43 schematically depicts an example embodiment of the client profile object 266. The client profile object 266 reads and writes the unique information to a particular client. The customer profile object 266 includes a plurality of properties such as a customer type 219, a quick real cash account 420, a quick real cash account 421, a credit preference account i-Ai; A-¿- t - ¿t ^^ fast cash 422, a fast cash transfer account 423, a fast cash selected 424, a language preference 425, a final withdrawal account € 42, a last withdrawal account 427, and a persistent property 428.

These properties can be used as arguments for other or ATM machine object methods. In addition, the methods of reading and writing can be called by the hypertext markup language pages to obtain or put these properties. The client-type property 419 differentiates between different client claees such as a server or a consumer. The actual amount of fast cash 420 and the actual fast cash amount 421 identifies the withdrawal amount of the bank account that was shown to the customer in the hypertext markup language for fast cash tracing. The fast cash preference amount 422 and the fast cash preference amount 423 identifies the amount of bank account withdrawal that was selected by the customer from a page set of preferences to carry out the quick cash transactions. The quick cash-issued property 424 specifies whether a cash withdrawal trainee is fast or not. A typical retirement director can use this property to determine if he needs to set fast cash selection values. The property of ttafc. , I ,, .l. ~ ... J -? "-. "-L, - ^. »I - ..»: - -. ^^ .-, -. L¿ ^, * .. li, -'- lt: ÍX? -Z? * ^ £ ¿S * ^? & 425 language preference identifies the client's preferred language. The last withdrawal account property 426 and the last withdrawal amount property 427 identifies the last account and amount that was used by the customer in a withdrawal transaction. Pending property 428 identifies a case of the client profile nipple as persistent. Any value placed on a persistent object results in the value that is written to the database or to another data warehouse. The default values in a non-persistent case of a client object are lost at the end of a client section.

The terminal director can be operatively programmed to display a hypertext markup page in the observer that includes the information and options for carrying out transactions in response to client profile properties. As previously discussed, the options to maintain the ATM machine can be presented to a user of the "server" type, while a user of the "consumer" type will be offered with options to carry out transactions with the ATM machine. . Also different levels of transaction functions can be correlated to the type of client. For example, consumers who have a bank account with the financial institution that owns the ATM machine can be assigned a type of customer that «YitoA. J? Mai ikÉá grants consumer permission to advance transactions such as payment of accounts and printing of checks. However, clients of other banks may be assigned a type of client that is only allowed access to simple transactions such as cash withdrawal.

The client profile object can also be used to update the customer profile information in the data warehouse in response to user interaction with the ATM machine. Such user interaction may result in a modification to the user's preferred language, current fast cash properties, fast cash preference properties, the selected property of quick cash and the final withdrawal properties. For example, by using the client profile object to save or save the last withdrawal properties each time a cash supply is made, the terminal manager is operated to present a hypertext markup language document to the user with an option. to withdraw the same amount of money the next time the user accesses the ATM machine.

The customer profile values are retrieved and updated from the stored data in response to a customer user identification information such as an account number or other unique value associated with the user. «. . ^ .- »tJ. i- ^ At .. ^^^ fJfff &f? ltí ^ iu? iUa ß ^ Such account number is typically read from a card by the card reader device. However, in alternate additions, the ATM machine may allow the user to enter the identification value with an input device, such as a keyboard, a biometric device, or any other device that is operated to receive information that identifies to the user of the ATM machine.

In addition, the client profile object can be used to retrieve and store other types of information in the data warehouse. Such information may include the marketing information associated with the consumer that can be used by a terminal manager to display the target advertisements with the ATM machine through an explorer for example. Also customer profile values can be used by a terminal manager to generate custom transaction options, or other selectable options to interact with the ATM machine. Such information can be obtained from various sources as previously discussed. Some of this information may also be provided by the user. This can be done through a person or a device that acquires automated data. Alternatively such information may be provided by the user through an online connection from a remote terminal such as a personal computer. The examples of These approaches to data acquisition are described in the United States Patent No. 6,023,288, the disclosure of which is hereby incorporated herein by reference.

The client profile object 266 includes the following methods: the reader or breeder method 410, the writer or setter method 412, the persistence method of doing 414, the custom section method of relocating 416 and the operation events 418. The read methods 410 and the write methods 412 are operand to retrieve and update the customer profile information. The persistence method of doing 414 is operated to force the client profile server to discard all persistent profile properties accumulated during the client section to the data repositories. The ATM machine terminal uses the persistence method of doing 414 to accumulate all the writings efficiently so as not to allow a deceleration of a customer transaction. A typical terminal director will have the card event taken connected to the persistence method of doing so that the update of the data repositories occurs immediately after the client section.

The client section method of relocating 416 returns all profile properties in the unused "null" state. This method is typically invoked »Ugly- • between the customer sections in order to return the accumulated values for the previous customer. For example, the card event entered may be connected to the customer section method of relocating 416 so that the customer profile data will be sent to null for each new section.

Figure 55 schematically represents the architecture for using the client profile object 266 to incorporate the customer-specific information with an ATM machine terminal. the hypertext markup language pages 614 may include manuscripts which are instructions that operate to obtain and place customer-specific information through the client profile object 266. The client profile object 266 is isolated by the profile server of client 600 and has no programming requirements to identify the data repository for profile data. This architecture simplifies the task of customizing the ATM machine terminal for each consumer. An institution can integrate the data bae logic into the ATM machine terminal by implementing a simple client profile server.

The client profile properties are read from a data repository such as a local database 608, a remote database 610, magnetic cards or ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^ ^^^^^^ Sg ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ß »inteligente 612, or any other type of data warehouse. One or more registered plug classes 602 and 604 and 606 are configured to handle the reading and writing of the profile data for the specific data store. In the example embodiment there are two types of profile plug classes. The first is a FIT profile plug which handles the type of customer and other properties used internally by the ATM machine terminal. The second is a user preference plug which handles user preferences such as those shown in Figure 43 for fast cash language and transactions. This preference is typically read and written in the local database. In alternate incorporations of the client profile architecture, other plugs can be implemented to connect to any type of data store that contains useful information related to the observer.

A terminal manager developer may include a case of a client profile object 266 that is operated to interact with other data stores through these new outlets.

An exemplary embodiment of the object of the depositor 268 is shown schematically in Figure 44. The depositor object 268 allows a developer to terminal manager using and controlling the depositor device of an ATM machine. The depoeitator object includes an enabled method 430, a disabled method 432 and a non-fixed closing gate method 436. These methods are operated to enable and disable the depoeitator and open the door of an envelope envelope respectively. The object of the depositor 268 also includes established print data method 434 while specifying the transaction information to be printed on a deposited envelope.

In addition to the synchronous operation events 444, the depositor object 268 includes the following asynchronous events: a complete repository event 438, an inserted media event 440, a complete closed envelope event 442. Each of these events is triggered in response to the action that is described by the event name.

Figure 45 schematically shows an exemplary embodiment of the supplier object 270. The supplier object 270 provides an interconnection to the dispensing device and includes an assortment method 450 and a retention method 452. The assortment method takes one or more of the following arguments : quantity, family and type. The quantity argument is usually the amount of tranection that has been . stia *** .. validated for the assortment by the authorization agent. This value is obtained from the transaction data object 286. The family and the type arguments are descriptions of the kind of media that are to be supplied. The method of retention is operated to recover the talee means as bills that have been taken and moved to a presenter or other device. In addition, the dispenser object includes the operation events 454. 10 An example embodiment of keyboard object 272 is shown in Figure 46. The keyboard object includes an enable map method 460 which accepts an argument for specifically which key or keys are enabled and for mapping key entry to the key. entries of 15 type of opreeión. The disabling method 462 electively disables the keys. The keyboard object 272 also includes the operation events 464.

Figure 47 schematically represents the example logic object 274. The logical object is operated to carry out logical comparisons of the data items. The terminal directors use the comparison results to alter the transaction flow. The logical object is typically used to compare a known range or value with values with a current value held somewhere in the transaction data object 286 or the client profile object 266. The logic object 274 includes a method of logical comparison which accepts two arguments that are the object of the comparison. Depending on the result of the comparison, logical object 274 triggers and makes a true event 482 or a false event 474.

Figure 48 schematically represents the example OCS object 276. This object interacts through the OCS server with the status / command plug and finally the 10 host. The OCS object 276 includes the following methods: an event method of sending user 480, a state method of sending command 482, a service method of sending 484 and a sending out of service method 486. The sending method of sending user 480 operates to send an event to the 5 state / command socket. The state / command plug can then use this information in combination with any subsequent commitment or reversion to build the appropriate message for the authorization host. The user event method of sending 480 is typically used when client 0 cancels a transaction or fails to take the cash assortment. This method can then be used to inform the host that the transaction was canceled, that the cash was withheld or that there was a time out. 5 Sending in service method 484 and sending out of service method 486 are operated to allow the LjJ * ¡t. á.áfcáJ-U - ,. AJ ^ 1L t- - s .- ».," L. «i ..... ...... - > -. ? ~ ~ ^^ t * a ^^ *** * jÁLk * host placing the terminal in service or out of service. In addition, the OCS 276 object includes the following events: go to the 488 service event, go to the 490 out-of-service event, handle the offline OSC 492 event, and handle the OCS 494 online event.

The command / status plug would have the event of being in service 488 and go to the event of being out of service 490 when receiving the commands going to be in service or going to be out of service from the host. Terminal directors are usually configured to respond to these events by enabling or disabling devices such as the card reader or keyboard. The command / status plug for the online event or OSC 494 and the off-line event handling OCS 492 when the communication is initiated or stopped with the host.

An example embodiment of the personal identification number entry object 280 is shown in Figure 49. The entry object of the personal identification number 280 operates to set the personal identification number mode property status in the event server entry of personal identification number. The start personal identification number entry method 500 operates to turn on the personal identification number mode status. In response to the personal identification mode has been turned on, the personal identity number server determines the correct number of personal identification number treaties that the client is allowed, and then enters a security mode to process the key entry.

When the client enters an acceptable personal identification number or when the customer presses the cancel button, the pedestrian identification number entry event server sets the property of the pedal identification number mode to false. The cancel 501 personal identification number entry method also operates to turn off the property of personal identification number mode and is typically called by the terminal director when an off-screen time event occurs.

The personal identification number entry object 280 includes events such as the event events such as the personal identification number entry event 502, a canceled entry event of personal identification number 504, a denied entry event of personal identification number 506, and identification event 508. The event entered with personal identification number 512 is triggered when the personal identification number entry event server determines that the personal identification number is either valid (local verification) or the personal identification number can be validated later by an authorization host. The canceled entry event of personal identification number 504 is triggered in response to a customer pressing the cancel button of the terminal of the ATM machine. The denied entry event of the personal identification number 506 is triggered when the verification of the local personal identification number is used and the customer exceeds the maximum number of attempts to enter the personal identification number.

An exemplary embodiment of the presenter object 278 is shown in Figure 50. The presenter object 278 provides an interconnection to the presenter device and includes a method of delivering 510, a pre-delivery method 512, and a method of retaining 514. As the names of the methods suggest, delivery method 510 delivers medioe to the customer, means of retention 514 retains means that have not been picked up by the customer, and pre-delivery method 512 carries out the pre-delivery by means of moving the means for playing inside the presenter's gate so that the means are ready to be made flexible to the client.

The object of the preemptor 278 includes an event taken from synchronous means 516 and synchronous operation events 518. The event taken from means is removed when the client takes the means of the presenter.

Fig. 51 schematically depicts the methods and events of the example printing object 282. The printer object 282 provides an interconnection to a receipt printer and includes the following methods: an appendage cushion method 520, a delivery method 522, a printing method 424, a printing damper method 526, a printing record method 528, a printing URL method 530, and a holding method 532. These printing methods provide a number of ways to print information about a receipt. For example, the damping method of appendix 528 is operative to append characters to the buffer of the printer device. The printer cushion method 526 is then called to cause the printing device to print the contents of the buffer. The printer method 524, the print file method 528, and the print URL method 530 are operated to print the contents of a specified string, file or hypertext markup page respectively.

In addition to the operation events 518, the sample printing object 282 includes an event taken from asynchronous form 534. This event takes place when a client takes the impree form of the printer's diepoeitive.

An example embodiment of the synchronization object 284 is shown in Figure 52. The synchronization object provides said synchronization between the tasks. For example, the developer of a terminal director may wish to supply cash and print a receipt at the same time. However, the developer may wish to wait for both tasks to complete before continuing. This is achieved by connecting the operation events of the object of the spout 270 and the object of the printer 282 for the methods in the synchronization object. In this case the operation events of the spout object 270 and the printing object 282 are connected to the synchronization method 0 542 and the synchronization method 1 544, respectively. The synchronization object 284 is operated to take one or more than 15 output events depending on who and how the synchronization methods are called. Both the synchronization method 0 542 and the synchronization method 1 544 accept representative arguments for an event that is successful, fails, is not available, or has no support.

The synchronization object 284 also includes two synchronization timers that are initiated by means of a start time method 540. These timers are Í ¡jLá. ???? **? A. ? -. a »^« --.- .. > »- synchronization will take the time in the number of seconds specified in the property of time out and in 550 and in the time out property eyncl 552. If the sync timer has time out, the sync timer is operated to trigger the corresponding sync method with an argument that failed the event. If a sync method is called before there is time out of the corresponding eync timer, the sync timer is canceled.

The sample sync object 284 includes a wait for property that specifies the sync method combination that the sync object expects to occur. Examples include having the sync object 284 waiting because it calls the syncO method waiting because it calls the syncl method, waiting because both the syncO method and the syncl method call and wait for both eync or eyncl to call.

In the sample embodiment there are 16 sync result properties 548 which control how the calls of the sync methods 542 and 544 are logically connected to produce the output events. Each of the 16 sync properties correspond to one of the output events 16 546. The developer can connect these output events to the methods of several of the ATM machine objects depending on the desired flow of transaction logic. The output events 546 were triggered in response to the properties that result from the corresponding sync 548. For example, the developer can put a result property of 01 sync to a value that is representative of an occurrence of a successful argument that is being thrown into the calls to both syncO and syncl methods. If both the syncO and syncl methods are called with successful arguments then the sync object will fire an output event 1. If one or both of the methods eyncO and syncl are called with a failure argument then the output event 1 will not be called .

In the example embodiment, the result properties can be set to a plurality of different values representative of syncl and eyncO being called with different combinations of arguments. In this way a plurality of output events can be configured to trigger different combinations of successes or call failures to the syncO and eyncl methods.

Figure 53 schematically depicts an example embodiment of the transaction data object 286. The transaction object 286 provides a container for the transaction specific data such as a customer-specific account information. Other ATM machine objects can access or set values in the transaction data object 286 by means of the ? ^ É% '191 connection to or from the property values of the transaction data object. The transaction data object 286 is typically used by the authorization object 260. For example a case of the tracing data object 286 is supplied as an argument to the authorization method 220 of the authorization object 260. The data object Example tracing 286 includes two account objects to support transactions that require more than one account, such as a tranefer transaction. One of these objects 10 account is operated to store the source account information. The second of these account objects is operated to store the objective account information. In the sample addition, these account objects are called from account object 562 and from account object 564 15 respectively. Each of these account objects stores information about the account, such as the account number, the identification of the financial institution and the address, the name and address of the card holder, the available balance, the type of account, the date of the last 20 update and any other information that is useful to identify an account.

In an example embodiment which is operated to communicate with a host computer through 25 of 91X format messages, the 91x interconnect uses the transaction data object 286 in the processing of authorization. The 91x interconnect obtains properties when they build a request for the host and sets properties when they process the host's reepueeta. In the example embodiment the traceaction data object also includes general transaction properties 560 that are accessed by the 91x interconnect. Examples of these properties include the human language of the account holder, the type of account, the current transaction type, the message status associated with errors, the transaction and user code of the transaction, the severity of the transaction, the amount of the available balance, the identification of the bank and there is an additional charge.

The objects described here and the methods and events associated with the example members. Other embodiments of the invention may include other or different objects to achieve the desired properties of the invention.

Many ATM machines include traction function devices with the ability to carry out operation and optimization. For example, an ATM machine may include a declaration printer and a receipt printer. The declaration printer is typically used to print a detailed listing of financial transactions for a period of time. The receipt printer is typically used to print a record of the most current transactions. Both devices were operated to generate and supply printed material for a consumer. When one of the devices becomes inoperative, the ATM machine can disable one or more of the transaction operations that correspond to the dietary situation. For example, if the declarations printer runs out of paper, an ATM machine can detect the problem and deactivate the declare statement operation for the printer. If the receipt printer is stuck, the ATM machine can deactivate the entire ATM machine until the receipt printer is repaired. Unfortunately in any of these cases, consumers will be bothered by these problems, and the owner of the ATM machine may lose income associated with the transaction fees.

An alternate example embodiment of the present invention operated to deduce the occurrence of ATM machines that are removed from service due to inoperative devices, by taking advantage of the overlap functionality between similar transaction function devices in the ATM machine. ATM. For example, if the receipt printer gets stuck or runs out of paper, the sample embodiment of the ATM machine is operatively programmed to use the printer of declaracionee to generate and eurtir both the declarations and the receipts for the consumer. Therefore, the receipt printer can be used as a backup device for the declaration printer and the declaration printer can be used as a backup device for the receipt printer. Even though the declaration printer and the receipt printer may use different paper sizes, the example ATM machine is operatively programmed to use different formats to print the information depending on the characteristics of the printer.

Other devices with an overlap function can be used in the same way. For example, an ATM machine can include both the money dispenser and the coin dispenser. If the money dispenser becomes inoperable after staying on ten-dollar bills, the coin dispenser can be used to supply coins until the ten-dollar bills are replenished.

Figure 56 shows a schematic diagram of a programming architecture that is operated to achieve this example backup function. Here the ATM machine 700 includes a terminal manager 710 comprising a plurality of ATM machine objects 712 such as those previously discussed. In the incorporation for example, the object of the ATM machine 712 corresponds to the niplee Java; however, alternate example additions may be used for other types of objects and classes that are appropriate for the machines and application software platform of the ATM machine including the Active X and COMM objects.

In addition to the method of the objects of the ATM machine discussed above, each ATM machine object further includes a plurality of methods or functions related to the capabilities of the underlying devices 724 and 726. These methods include a method such as this. present 714, a usage rule method 716 and a select type method 718. The electing type method 718 is operated to specify which type of device is associated with the ATM machine object. For example, a printer object is operated to communicate with both a receipt printer 724 and a declare printer 726. The select type method 718 can be used to specify that a particular instance of the object of the ATM machine of printing corresponds to a receipt printer.

The method of this present '714 is operated to determine whether the desired type of device is present in the ATM machine. This method allows a terminal application that will be configured with respect to different types of transactions. For example, if a method 714 returns a negative value for the print declaration, the terminal functionality that corresponds to the impreement declarations can be hidden from the consumer. In this manner, the exemplary ATM machine objects are operated to determine the capabilities of the ATM machine objects and configure the operation of the ATM machine in response to the determined capabilities. In the alternate embodiments of the present invention, the methods may be used which include arguments for different types of features of the desired device or service. For example, the method of this present or another capability method of a printer object can be passed an argument corresponding to the color printer. If inks with color are present, the printer object can be configured to print multiple color indicia. These exemplary methods allow a single generic type of ATM machine object such as a printer object, to provide a plurality of specialized diepoeitives, such as a receipt printer, a declarative printer, a thermal receipt printer, a color printer or any other printing device. «.-. ^ .- ,, - ^ fc .-, -,, .....---,. - .- .. "-,. ^ .fa. ..... "j .. ^ - .. ^ ... ^^ .-," - !, ".%» T ¿x.8fcAlA.ii J The use rule method 716 is operated to specify a set of rules to determine which device to use initially an ATM machine object, and which device will be used when the current device or what. Failure is not operating. The example embodiment of the present invention includes a data store 720 which is operated to store a plurality of such sets of rules 721 for each of the devices in the ATM machine. For example, the data store may include a set of fault rules for a card reader object that specify that there is a single card reader device, a card reader object will be automatically connected to it. If there is more than one printing device, a set of rules can be created and used to print the object that specifies that a receipt printing device is the failed printer for receipt and a declarer printer device is the printer in cases where where the receipt printer die is not available.

In the example embodiment, the rule sets and their associated devices 724 can be created and stored in the data store 720 by a configuration program 722 in an operational connection with the data store 720. Such a configuration program 722 also It is operated to store those devices that are currently installed in the ATM machine. He 3 > 198 The configuration program is further operated to send in the data store 720 specific features that are associated with each device. The results of the method d are present 714 can be determined by asking the data store 720 about the corresponding type of device and / or characteristic of the diepoeitive.

In an alternate incorporation, where the individual devices include self-configuration features such as Sun Microsyeteme JINImarca and Microsoft Univereal Plugmarca, the individual devices 724 can be operated to download the details of their characteristics and / or service delegates corresponding to the warehouse. data 720.

The example ATM machine 700 further includes an interconnect layer of the device 728. The interconnect layer of the example device 728 may be composed of a plurality of ODS (Open Device Services). In addition to the interconnection layer of the device 728 eeta may be composed of one or more layers of the API device such as a J / XFS core (Java / eXtensiones for Financial Services) or a WOSA / XFS administration (Open Window Services Architecture / extensions for Financial Services) this component and the interconnection layer of die 7eon 728 are operated to provide an interconnection between the objects of the ATM machine 712 and the devices of corresponding apparatuses 724 and 726.

In an exemplary embodiment of the present invention, the open-deposit service components and / or the XFS components are operatively programmed to provide an interconnection between the ATM machine objects 721 and the data store 720 to determine which dispoeitivoe and Characteristics of the dispoeitivoe are present in the ATM machine. The interconnection layer of the device 728 is further operated to process rules in the data store 720 to determine the fault dispositions and the order of backup devices. The reply to the information associated with the rules, present devices, and diepoeitive capabilities stored in the data store 720, the interconnection layer of the device 728 is operated to have an ATM machine object 712 in communication with a dietary 724 which includes the appropriate capacitance required by the ATM machine object.

Figure 57 shows an exemplary embodiment of ATM machine 740 that includes a device interconnect layer composed of a J / XFS 742 core. * & ** .. * "s¿m. &L -». ^ .. J .-., A. ^, ¿¡¡aa.r? ^ incremented. The J / XFS 742 core includes a manager type device 744. The administrator type device 744 is operated to communicate with a plurality of ATM machine objects 746 and to create corresponding instances of the control device objects 750 in response to the rule sets selected by the object of the ATM machine. The rule sets are retrieved from a data store 748 in an operational connection with the manager of the die type. The device controls 750 are operated to control the operation of ATM machine die situations 754 through communication with device services 756 (e.g., device drivers) according to the J / XFS description. The device controls 750 generally correspond to the service of the device. The messages between the device type manager 744 and the die controls 750 are queued by the device command servers 752 which generally correspond to the controls of the device 750.

The device type manager 744 directs the messages to the correct device command server 752 in response to the rule sets in the data store 748. The administrator-type device 744 is also responsible for a set of rules that set the change to the next device command server íú? ú.Á - ijatojA .... LL.?- ^ .., - appropriate 752 if the health of one of the current devices 754 becomes inoperative.

Fig. 58 shows another exemplary embodiment of the present invention. Here, the ATM machine objects 770 are operated to control the operation of the 772 dielectric devices through communication with the open device 774 service components. The 774 open-service service components are designed to receive the differences between the inconsistent vendor implementations of 778 service provider interconnections (for example device impuleo) under a consistent and uniform interconnect. In this described example embodiment, the open-source service components 774 control the operation of the devices 772 through communication with the WOSA / XFS 776 layer. The WOSA / XFS 776 layer at the same time communicates with the devices 772. through the service provider interconnections provided by the vendor 778. In this example embodiment described, the open device service layer 773 has been increased to include the previously described functionality of the device interconnect layer. Thus, the example open device service components 774 are operated to communicate with the data store 779 to provide the capacity information to the ATM machine objects.

A * 1? H ** ítilfr * lt- - ***** &- automatic 770. The components of the open device 774 services are also operated to process sets of rules to determine which service provider interconnections and devices are going to be used initially and which ones will be used as backup devices when the fault devices become inoperative.

Figure 59 shows another exemplary embodiment of the present invention. Here the device controls 760 of the J / XFS 761 layer are operated to control the operation of the devices 762 through communication with the open device service components 764. As previously discussed, the open dietary service components 764 control the operation of devices 762 through communication with the administrator WOSA / XFS 766. The administrator WOSA / XFS communicates with the devices 762 through the interconnections of service provider provided by vendor 768. For the component of open device service which are composed of C, C ++, COMM, or other components without Java, the present example embodiment encompasses placing a JNI wrapper (native Java interconnect) around the open device service components 764 to form services of compatible device J / XFS 765. The 765 service providers provide an interconnection for the Java-based J / XFS layer to communicate with the ODS 764 components and the Windows-based WOSA / XFS 766 administrator.

The computer software used in operating the automatic transaction machines of the present invention and the connected computers can be loaded from articles of various kinds in the respective computers. Such computer software can be included above and loaded from one or more items such as compact diskettes or floppy disks. Such software can also be included on items such as hard disk impuleoes, tapes or devices that only read the memory. Other items which include data representative of the instructions for operating the computers in the manner described herein are suitable for use in achieving the operation of the traction machines and the sevenmae according to the embodiments of the present invention.

Exemplary embodiments of the automated banking machines and the systems described herein have been carried out with reference to particular software components and features. Other embodiments of the invention may include other different software components which provide a similar function.

Therefore, the new automatic machine and banking machine of the present invention achieves the above-stated objectives, eliminates the difficulties encountered in the use of the systems and devices, resolves problems and achieves the results that are decribed herein.

In the previous decree certain terms have been used for brevity, clarity and understanding. However, unnecessary limitations should not be implicated because such terms are for descriptive purposes and are intended to be considered widely. In addition, the descriptions and drawings given here are by way of example if the invention is not limited to the details shown and described.

In the following claims, any features described as means for performing a function should be considered as encompassing any means known to those skilled in the art who are capable of performing the function recited and should not be considered as limiting the means particular shown in the following description or the equivalent equivalents thereof.

Having described the characteristics, discoveries and principles of the invention, the manner in which it is constructed and operated and the advantages and useful results achieved; New and useful structures, devices, elements, arrangements, parts, combinations, systems, equipment, operations, methods, processes and relationships are set forth in the appended claims.

Claims (119)

R E I V I N D I C A C I O N S

1. A method that includes the steps of: a) determine through the operation of an automatic banking machine, data corresponding to an entity with which a customer operating the machine has an account; b) provide through an output device on the automatic banking machine at least a departure that uniquely correlates to the entity with which the customer has the account.

2. The method as claimed in clause 1, characterized in that step (a) includes reading indicia with a reading device in operative connection with the banking machine.

3. The method as claimed in clause 2, characterized in that step (a) includes reading indicia on a card with a card reader in relation to the automatic banking machine.

4. The method as claimed in clause 1, characterized in that step (b) includes providing at least one visual output corresponding to the entity through the output device.

5. The method as claimed in the 5 clause 4, characterized in that step (b) includes processing at least one document through an observer operating in a computer in operative connection with an automatic banking machine.

6. The method as claimed in clause 5, characterized in that in step (b) the at least one document is determined in response to the data determined in step (a).

7. The method as claimed in clause 6, characterized in that before step (b) it also comprises the step of: accessing at least one document in a system address, wherein the system address is determined in response to the data determined in step (a).

A method comprising the steps of; 25 ? • t ^^ Fí a) read signs eobre one preeentada card by a customer to an automated banking machine card, card loe signs include feature data corresponding to an entity with which the customer has an account; b) resolving the network address data with the banking machine in response to the entity data and the data stored in a data warehouse; c) operating an observer in the banking machine in response to reverted network address data, to access at least one network address in a network, wherein the access network address corresponds to an address of a server adapted to deliver documents that correspond to the entity with which the client has the account.

9. The method as claimed in clause 8, wherein the banking machine includes an output device and further comprising loe steps of processing at least one document corresponding to the entity with which the customer has the account from the server , and provide at least one departure through the exit device in response to at least one document.

10. The method as claimed in clause 9, characterized in that the output diepoeitive comprises an exhibitor, and wherein the step of providing the output includes a visual output.

11. The method as claimed in clause 8, wherein the automated banking machine includes at least one device transaction function, and wherein the at least one first of documentoe includes at menoe an instruction which is operated to cause operation of the transaction function dispoeitivo, and further comprising the step of processing the first document with the observer and operate the transaction function device in response to at least one instruction in the first document.

12. The method as claimed in clause 8, further characterized by comprising the steps of: d) providing a plurality of servers, one for each of a plurality of entities with which a plurality of users of the automated banking machine have accounts, each server is in operational connection with a network and has a corresponding network address, each The server is adapted to deliver at least one document corresponding to the entity with which it is associated. repeat steps (a) to (c) for each card presented by a customer in the automated banking machine, so that each customer card is operated to make the observer connect to the server including the at least one document that corresponds to the entity with which the consumer has his account.

13. The method as claimed in clause 12, characterized in that the automated banking machine includes an exhibitor in operative connection with the observer, and wherein the documents include instructions for producing at least one screen associated solely with the corresponding entity, and wherein in step (c) the observer operated in reepheeta to be ineffective in the documents to have them produced on the display is at least a screen only associated with the entity with which the client has his account.

14. The method as claimed in clause 8, characterized in that the automated banking machine is operated by an additional entity, and further comprises the steps of: d) upload to the client's account a transaction fee for the use of the automated banking machine operated by the additional entity; ii iti feá «4l¿i, Aife8« fei,, .. ^. ^ i ^ i ^^ - ^ - í ^ .. ^ -. ^^ eá.íú e) share between the entity and the additional entity so minus one part of the transaction fee.

15. The method as claimed in clause 8, characterized in that it comprises the paeos of: d) accessing with an observer a plurality of documents from the server associated with the entity with which the client has an account; e) access with an observer operating in the automated banking machine at least a document of nuncios from an additional server operated by an advertiser entity; f) processing the announcement document with an observer to produce an advertisement content through an output device in operative connection with the automated banking machine.

16. The method as claimed in clause 15, characterized in that the automated banking machine is operated by an additional entity, and further comprises the step of: g) making a payment by the advertiser entity to the additional entity, so that the The additional entity that operates the automated bancapable machine is compensated for by having an advertiser entity present by announcing the content in the banking machine.

17. The method as claimed in clause 15, characterized in that the step (e) is executed during step (d).

18. The method as claimed in clause 15, characterized in that in step (d) at least one document is accessed with the first observer operating in the banking machine, and wherein in step (e) at least one document is accessed with a second observer operating in the banking machine.

19. An apparatus comprising: a plurality of institution servers, each institution server is associated with a plurality of financial institutions where each institution server has at least one unique network address, and wherein each institution server is operated to deliver at least one document associated with the respective institution; iiáÚ -í &! Í.A1 * - * ui-y ¡-l - a network in operative connection with each of the plurality of institution eervidoree; at least one automatic banking machine, wherein the banking machine includes a computer having an observer operating there, a card reader and an output device in operative connection with the computer; wherein the automatic banking machine is operated in response to reading the index cards on a card read by the card reader device, to make the observer connect through the network to a network address of a corresponding institution's services. to the signs of cards.

20. The apparatus as claimed in clause 19, characterized in that the observer is operated to process at least one document of the constituting server and to provide a checkout to the document through the output device on the banking machine.

21. The apparatus as claimed in clause 19, characterized in that the observer is operated to process at least one document of the institution server, wherein the banking machine includes at least one transaction function device, and wherein the document it includes at least one intruction to enable operation of the transaction function diepoeitive, and wherein the trafication function device is enabled to operate in response to the observer processing the document.

22. The apparatus as claimed in clause 21, characterized in that the transaction function device includes a sheet dispenser, and wherein the document includes at least one sheet dispenser instruction, and wherein the sheet dispenser is enabled to supply at least one sheet in reply to the observer who processes the document.

23. The apparatus as claimed in clause 19, characterized in that the card indicia include a bank identification number and wherein the automated banking machine is operated to resolve the network address in response to the bank identification number.

24. The apparatus as claimed in clause 19, characterized in that it also comprises at least one advertiser server in operational connection with the network, wherein the advertiser server has at least one unique network address, and wherein the advertiser server is operated to provide at least one ad document and where the The computer is programmed to operate to make the observer access the announcement document from the advertiser server, where the computer is operated to take out the content of the announcements through the exit tab in response to the advertiser document.

25. The apparatus as claimed in clause 24, characterized in that the automated banking machine includes at least one transaction function device in operative connection with the computer, and wherein the computer is operated to cause the observer to process so less a document from the institution server, and wherein the document from the institution server includes device instructions, and wherein the computer is adapted to allow the transaction function device to operate in response to the situations of the device, and in where the computer operates to cause the advertisement content to be output through the output device during the operation of the transaction function device.

26. The apparatus as claimed in clause 25, characterized in that the transaction function device includes a note dispenser, and wherein the content of advertisements is removed during the operation of the note dispenser.

27. The apparatus as claimed in clause 24, characterized in that the computer includes a first observer and a second observer that operates there, and where the computer operates the first observer to access the institution server and the second observer has access to ad server.

28. An apparatus comprising: an automated banking machine that includes a computer and at least one transaction function device in operative connection with the computer, and a plurality of observers operating on the computer, wherein the computer is operated to cause the function device of The transaction operates in response to instructions in at least one document processed by at least one of the obligors.

29. The apparatus as claimed in clause 28, characterized in that the automated banking machine also comprises at least one die-off device in operative connection with the computer, and wherein the documents processed by at least two of the observers produce outputs delivered simultaneously through the output device. ly - = La - fc. «a?.» - L .. - J

30. The apparatus as claimed in clause 29, characterized in that the output device includes an exhibitor, and wherein each of The two observers draw on separate parts of the exhibitor.

31. The apparatus as claimed in clause 28, characterized in that the transaction function device is operated in response to documents processed by a plurality of observers.

32. The apparatus as claimed in clause 28, characterized in that the automated banking machine includes a card reader in operative connection with the computer, wherein the computer is operated to include the card data read by the card reader in the object of transaction data, and where the instructions in the documents are processed by a plurality of observers are operative to access the card data of the transaction data object.

33. The apparatus as claimed in clause 28, further characterized by comprising: a network, where the computer of the automated bank machine is in operational connection with the network; a plurality of servers in operational connection to the network where a first server is operated to deliver the first documents and a second server is operated to deliver the second documents; and wherein the first observer operating in the banking machine is operated to process the first documents from the first server, and a second observer operates in the banking machine and is operative to process the second documents from the second server.

34. The apparatus as claimed in clause 33, characterized in that the automated banking machine includes a display die in operative connection with the computer, wherein at least one of the first and second observers is operated to cause a visible output to the computer. through the display device.

35. The apparatus as claimed in clause 33, characterized in that at least one of the observers is operated to produce a non-visible output, wherein the non-visible output is operated to make the computer control the operation of at least a transaction function device in the banking machine.

36. The apparatus as claimed in clause 34, characterized in that at least one of the first documents includes at least one display instruction, and wherein the computer is operated in response to the display instruction to make an output additional visible respond to the second observer to be taken out through the display device.

37. The apparatus as claimed in clause 36, characterized in that at least one of the first documents includes at least one size instruction, and wherein the computer is operated in response to the size instruction to size the visible output additional .

38. The apparatus as claimed in clause 28, characterized in that at least one document includes a hypertext markup language document.

39. A method comprising: operating a plurality of observers on a computer in operational connection with an automated banking machine; . -J.J.J ... J operate a transaction function device in the banking machine in response to at least one document processed by at least one of the observers; deliver outputs through the at least one output device in connection with the automated banking machine in response to documents processed by at least two of the observers.

40. The method as claimed in clause 39, characterized in that the automated banking machine includes a display device, and in step (c) the outputs of at least the observers are removed through the display die.

41. The method as claimed in clause 39, characterized in that at least one of the documents includes a display instruction, and before step (c) further comprises the step of reading the display instruction with the first observer, and wherein in step (c) an output in response to a second observer is delivered in response to reading the display instruction.

42. The method as claimed in clause 39, characterized in that at least one document includes a size instruction and further comprises the step of reading the size instruction with the first observer, wherein in step (c) an output responding to a second observer is produced having a magnitude that responds to the size instruction.

43. The method as claimed in clause 40, characterized in that in step (c) a size of at least one output from one observer is determined in response to another ealidae.

44. The method as claimed in clause 39, characterized in that in step (b) a transaction function device is operated in response to documents processed by a plurality of observers.

45. The method as claimed in clause 39, characterized in that the automated banking machine includes a display device, and in which (at) at least five observers are operated on the machine and on the step ( c) The outputs corresponding to the documents processed by each of the five observers are delivered through the display device.

46. The method as claimed in clause 39, characterized in that in the delivery step at least one output is delivered through at least one repopulation disposer to at least one hypertext markup language document processed by at least one of the observers.

47. A method for visually programming an automated transaction machine comprising: a) providing a first icon and a second icon on a workspace, wherein the first icon corresponds to a first ATM machine object and the second icon corresponds to a second ATM machine object; Y b) creating at least one association between the first and second ATM machine objects by visually representing the association between the first and second icons in the workspace.

48. The method as claimed in clause 47, further characterized in that it comprises: c) store in memory a plurality of instructions that are representative of the association visually represented in the workspace.

49. The method as claimed in clause 48, further characterized by comprising: d) carry out a transaction with an automated transaction machine that responds to the instructions.

50. The method as claimed in clause 49, characterized in that in step (b) that creates the association includes providing a line between the first and second icons.

51. The method as claimed in clause 49, characterized in that in step (b) the association created corresponds to a link of an event of the first ATM machine object to a function of the second object of the ATM machine .

52. The method as claimed in clause 51, characterized in that step (b) includes providing a visual representation of the association that includes at least one foreign key indicating which of the & m «« - a.-1-a.-ü -., - -? - JBy »-á, -É¿ £ .A. ? »Aj, .t -, ¿^? ^ First and second icons are associated with the event, and which of the first and second icons is associated with the function.

53. The method as claimed in clause 51, characterized in that it comprises: e) trigger the event of the first object of the ATM machine. f) carrying out the function of the second ATM machine object in response to the association.

54. The method as claimed in clause 53, characterized in that in step (f) the function includes having a transaction function die that performs an operation.

55. The method as claimed in clause 54, characterized in that the transaction function device includes a spout device.

56. The method as claimed in clause 55, characterized in that the second ATM machine object corresponds to a dispenser ATM machine object, and wherein in step (f) the - i.a > - «Da - a -, ¿j, ^? U *** ^ la t. ** ^ ?? i * ^^^? ***? *** '± < ^^^ i * aM operation includes supplying a quantity of cash with the effect spout device.

57. The method as claimed in clause 56, characterized in that the second object of the ATM machine also includes a retention function, wherein the method further comprises: g) carry out the retention function including having the cash dispenser device recovering the amount of cash.

58. The method as claimed in clause 53, further characterized in that it comprises before step (c): g) Provide a third icon in the workspace where the third icon corresponds to a third ATM machine object; Y h) creating a second association between the second object of the ATM machine and the third object of the ATM machine by visually representing the second association between the second and third icons in the workspace.

59. The method as claimed in clause 58, characterized in that the third ATM machine object includes at least one value, where in step (h) the second aggregation created correlates to a link from the value to the function , where in step (f) the function is carried out in response to the value.

60. The method as claimed in clause 59, characterized in that the third ATM machine object corresponds to a transaction data machine machine object, wherein the object of the tracing data machine is operated to store a plurality of transaction data values corresponding to the transaction, wherein in step (f) the function is carried out in response to at least one of the transaction data values.

61. The method as claimed in clause 60, characterized in that the transaction data values include an account number for the transaction.

62. The method as claimed in clause 61, characterized in that the second ATM machine object corresponds to an authorization ATM machine object, wherein in pae (f) the function includes the sending of a pegging machine. authorization to a host system, wherein the authorization message includes an authorization data value that corresponds to at least one of the transaction data values.

63. The method as claimed in clause 59, characterized in that the object of the third-party ATM machine correeponde to a client profile ATM machine object, wherein the client profile ATM machine object. operates to store a plurality of client profile data values corresponding to a user of the automatic transaction machine, wherein in step (f) the function is carried out in response to at least one of the values of customer profile data.

64. The method as claimed in clause 63, characterized in that the object of the customer profile ATM machine is operated to recover the client profile data values from a data store in operative connection with the client machine. automatic transaction

65. The method as claimed in clause 59, characterized in that the second ATM machine object is representative of a logical ATM machine object, wherein in step (f) the function , *: .. k * '^? . ^. - í-tfíiá - *. *. includes carrying out a logical comparison between at least one argument value, wherein one of the two argument values corresponds to the value of the third ATM machine object, wherein the method further comprises: i) triggering an event of the logical ATM machine object, where when the result of the logical comparison is true, a true event of the second object of the ATM machine is triggered, and where when the result of the comparison it is false, it is triggered, and where when the result of the comparison is false, a false event of the second object of the ATM machine has occurred.

66. The method as claimed in clause 59, characterized in that the second object of the ATM machine correeponde to an ATM machine object of impreeora, where in the paeo (f) the function includes indications of printing with a printing device that responds to the value of the third object of the ATM machine.

67. The method as claimed in clause 66, characterized in that the indicia include the value of the third ATM machine object. litj4, J3 .- «. Jea» I.t. -a ----- * '? - «.- i Au * -,,.» "-..-, .-. ^. A? ..» »-. • -., --- £ A -., ..... - fc - fa¡ ¡-

68. The method as claimed in clause 59, characterized in that the second object of the ATM machine corresponds to a state and object of command ATM machine, wherein in step (f) the function includes sending a message to a host system, wherein the message includes the value of the third ATM machine object.

69. The method as claimed in clause 53, further characterized by comprising before step (f): g) storing in the memory a plurality of second instructions that are representative of visually represented associations in a second workspace, wherein the second ATM machine object corresponds to an ATM machine object of scenario control, and where in step (f) the function includes having the automatic tracing machine trying to load the second instructions.

70. The method as claimed in clause 69, characterized in that the second workspace includes a second ATM machine object of scenario control and wherein the method further comprises: L? ":? Tí¡. * AM h) trigger a load event director of the second stage control.

71. The method as claimed in clause 70, characterized in that in pae (f) the function also includes trying to load a network page in an observer.

72. The method as claimed in clause 71, characterized in that when the automated tracing machine fails to load the second instructions or the function fails to load the network page, it also comprises: i) triggering an unsuccessful director's event of navigating the first ATM machine object of scenario control.

73. The method as claimed in clause 70, characterized in that the second ATM machine object of scenario control includes a time out value, where after the automated transaction machine successfully loads the second instructions and a period of time has elapsed that is greater than the value of time out, further comprising: - i t i) trigger an off-screen event of the second ATM machine object of scenario control.

74. The method as claimed in clause 53, characterized in that the first ATM machine object corresponds to a subsequent scene control ATM machine object, wherein in step (e) the event of the first object ATM machine is shot by an observer.

75. The method as claimed in clause 73, characterized in that it comprises before step (e): g) triggering a hypertext markup language event of a network page loaded in the observer, wherein in step (e) the event of the first ATM machine object is triggered in response to the event of the dialing language of hypertext

76. The method as claimed in clause 75, characterized in that the hypertext markup language event corresponds to the oppression of a button on the network page by a user.

77. The method as claimed in clause 53, characterized in that the second ATM machine object corresponds to an ATM machine object of scenario control where in step (f) the function includes loading a page of network in the observer.

78. The method as claimed in clause 58, characterized in that in step (h) the second association created corresponds to a link of an event of the third ATM machine object to a second function of the second object of the ATM machine. ATM.

79. The method as claimed in clause 78, further characterized in that it comprises before step (c): i) providing a fourth icon on the workspace where the fourth icon corresponds to a fourth ATM machine object; Y j) Create a third association between the second ATM machine object and the fourth ATM machine object by visually representing the third association between the second and fourth icons in the workspace and where the third association created corresponds to a link of an event of the second ATM machine object to a function of the fourth object of the ATM machine.

80. The method as claimed in clause 79, characterized in that the second object of the ATM machine correeponde to an eync ATM machine object, wherein the second ATM machine object at least includes a stopwatch sync and at least one eync time-out property where the method further comprises: k) triggering the event of the first ATM machine object; Y 1) start the eync timer of the second ATM machine object in response to the first association.

81. The method as claimed in clause 80, characterized in that it comprises: m) taking the event of the third ATM machine object within a period of time before the sync timer reaches the timeout value; n) carrying out the second function of the second ATM machine object in response to the second association; o) triggering the event of the second ATM machine object, wherein the event of the second ATM machine object corresponds to one of a plurality of eync events; Y p) Carrying out the function of the fourth ATM machine object in response to the third association.

82. The method as claimed in clause 80, further characterized in that it comprises: m) reaching the value of time out with the sync timer before the event of the third machine object of the ATM is triggered; n) triggering the event of the second ATM machine object where the event of the second ATM machine object corresponds to one of a plurality of sync events; Y o) carry out the function of the fourth object of ATM machine in response to the third association.

83. The method as claimed in clause 82, characterized in that in step (o) the function of the fourth object of the ATM machine includes having a transaction function device performing an operation.

84. The method as claimed in clause 83, characterized in that the tracing function diepoeitive includes a cash dispenser diepoeitive, wherein the first, third and fourth ATM machine object corresponds to an ATM machine object. automatic cash dispenser, wherein the event of the first ATM machine object corresponds to the assortment of an amount of cash for the cash dispenser diepoeitive, wherein the event of the third ATM machine object corresponds to the taking of the cash dispenser. amount of cash by a user of the cash dispensing device, wherein the operation corresponds to retaining the amount of cash by the cash dispenser device.

85. Unoe mediae leere by computer operated to make a computer carry out the method steps recited in claim 47.

86. A method for operating an automatic transaction machine comprising: a) reading the customer identification information with a reading device in operative connection with an automated transaction machine; b) accessing at least one customer profile value from at least one data store, in response to the customer identification information; c) generate at least one network page that responds to at least one client profile value; Y d) display at least one web page on the machine through the operation of an observer.

87. The method as claimed in clause 86 further characterized in that it comprises: e) receiving an entry from an operator for the automatic transaction machine; Y f) modify the at least one customer profile value in the data warehouse in response to the entry. fc-¿? ? .i .. ** ¿**. t

88. The method as claimed in clause 87, characterized in that the data store includes a remote data bank.

89. The method as claimed in clause 87 characterized in that the data store includes a smart card.

90. The method as claimed in clause 87 characterized in that in step (a) the reading device includes a card reader device, and wherein the customer identification information is read from a card.

91. The method as claimed in clause 87, characterized in that the client profile value is representative of the client's preferred natural language in which the network page is generated in a language corresponding to the value, where the entry is representative of a Different value for the client's preferred natural language.

92. The method as claimed in clause 87 characterized in that the customer profile value is representative of a fast amount of money, wherein the fabric page includes a selectable opinion that corresponds to having the automatic transaction machine supplying a quantity of money. cash that is equal to the amount of quick cash, where step (f) includes the modification of the fast cash amount.

93. A computer readable medium operated to cause a computer to perform the method steps indicated in claim 86.

94. A method comprising: a) reading an account number of a card with a card reader device of an automated transaction machine; b) access a plurality of customer profile values that correspond to the account number; c) displaying a network page in an observer with the automated transaction machine, wherein the network page includes a plurality of selectable options to carry out a tranection with the automated transaction machine, wherein at least one of the Selectable options is produced in response to at least one of the profile values of the accessed client. d) receive an entry corresponding to a ? í¡, 1 | .. íl¡ifei, iJ.- "a-j-.,.» - .. ^ - l selected from the selectable options with an input device; e) carry out the transaction with the automated transaction machine in response to a selected one of the selectable options.

95. The method as claimed in clause 94 further characterized in that it comprises: f) modify at least one of the client profile values accessed in the data store in response to the selected option.

96. The method as claimed in clause 95 characterized in that the customer profile values include at least one withdrawn amount representative of a previously withdrawn cash amount, wherein one of the elective options corresponds to an amount of cash equal to the amount withdrawn, wherein step (e) includes dispensing a selected amount of cash with a cash dispensing device, and wherein step (f) includes modifying at least the withdrawal amount with a value that corresponds to the selected amount of cash.

97. Unoe computer readable means operated to cause a computer to perform the method steps recited in claim 94.

98. A method comprising: a) receive at least a customer identification value with an automated transaction machine; b) access a customer profile of a data warehouse where the customer profile corresponds to the customer identification value, where the customer profile includes a customer type value; c) display a network page in an observer of the automated transaction machine, where the network page is loaded in response to the customer type value.

99. The method as claimed in clause 98 characterized in that when the type of client corresponds to a server of automated tracing machines, the network page includes a plurality of selectable server options to service the automated transaction machine.

100. The method as claimed in clause 99 characterized in that when the client type corresponds to a client, the network page includes a plurality of selectable transaction options to carry out transactions with an automated transaction machine.

101. The method as claimed in clause 100 characterized in that it also comprises: (d) receive an entry that corresponds to one of the selectable transaction options; Y (e) stock a cash amount with a cash dispenser in response to the ticket.

102. The method as claimed in clause 98 characterized in that the network page includes a plurality of selectable transaction options for carrying out transactions with the automated transaction machine and wherein the method further comprises: (d) receive an entry that corresponds to one of the selectable transaction options; Y (e) update the customer profile data in response to the entry.

103. The method as claimed in clause 98 characterized in that when the type of client corresponds to the first type of client, the network page includes a first option to carry out a first transaction with the automated transaction machine, wherein when the type of client corresponds to a second type of client, the network page does not include the first option.

104. The method as claimed in clause 103, characterized in that the first traceability corresponds to the payment of accounts.

105. Computer readable means operated to make a computer perform the method steps mentioned in claim 98.

106. A method comprising: a) receiving a customer identity value associated with a consumer using an ATM machine; b) access a customer profile that responds to the customer identity value; c) select an ad focused in response to the client profile; Y d) display a network page in an ATM machine where the network page * includes the targeted advertisement.

107. The method as claimed in clause 106 further characterized in that it comprises before step (c): e) Determine if the customer is a customer associated with a financial institution, where if the customer is determined to be a non-customer of the financial institution, the focused ad includes a promotion for the financial institution.

108. The method as claimed in clause 106 characterized in that the focused advertisement includes at least one selectable option, wherein the method further comprises: (e) receive a consumer entry corresponding to the selectable option; Y (f) update the customer profile in response to the entrance.

109. Computer readable media operated to make a computer carry out the steps of the method mentioned in claim 106.

110. A method for configuring devices in an automated tracing machine comprising: a) storing a plurality of rules for an automated tracing machine, wherein the rules correspond to at least one instance for the use of a plurality of transaction function devices in an operational connection to the automated transaction machine, each of the transaction function dispoeitivoe is able to carry out a first transaction function; b) selecting a first transaction function device in response to a first rule; Y c) carrying out the first transaction function with the first transaction function device.

111. The method as claimed in clause 110 further characterized in that it comprises: ttfcAJhA. Jiita.As .JL ^ ii & feM-. .1a] lial? It-iMM »? 1j« »* < ..! . *.?. t »?. stoaa ?. á * ¿.t, * +. . d) determine that the first transaction device is not available, e) selecting a second transaction function device in response to the first rule; Y f) carrying out the first transaction function with the second transaction function device.

112. The method as claimed in clause 111 characterized in that both first and second transaction function devices include printing devices, wherein the first transaction function includes printing a receipt.

113. The method as claimed in clause 111 characterized in that the first transaction function device corresponds to a receipt printer, and the second transaction function device corresponds to a declaration printer.

114. The method as claimed in clause 110 characterized in that it also comprises before step (b): d) select the first rule in response to a event which is operated to make the machine perform the first transaction function.

115. The method as claimed in clause 110 further characterized in that it comprises: d) storing a plurality of capacity values that are representative of the characteristic of the tracing function devices, wherein in step (b) the first transaction function device is further selected in response to the capacity values.

116. The method as claimed in clause 110 further characterized in that it comprises: d) specify at least one capacity of the first transaction function device; Y wherein in step (c) the first transaction function device is further selected in response to the specified capacity.

117. The method as claimed in clause 110 further characterized in that it comprises: d) specify at least a first capacity - i? ÍAAU Í -te, l * ¿ü? I. l.'.- lki of the traction function functions, where in step (b) the first traction function function is also selected in response to the first capacity; e) determining that the first transaction function device is not available to carry out the first transaction function; f) specify at least a second capacity of the transaction function devices. g) selecting a second transaction function device in response to the first rule and the second specified capacity; Y h) carrying out the first transaction function with the second transaction function device.

118. The method as claimed in clause 117 characterized in that the first capacity corresponds to the indication of impurity in a plurality of colors, wherein the second capacity corresponds to printing indicia in at least one color.

119. A computer-readable means operated to make a computer carry out the method steps recited in clause 110. i¿Í ^ iÍ? jlhdhit Í --- É. > 'Sa ^' MfcittE. «Ic -J .--- .. ife -? -« fc. »^ -.- h -_ ^ -.; -, > ^ ^ ^ ^ ^