CN1371506A - Automated transaction execution system with plurality of user interfaces - Google Patents

Abstract

A dynamically branded transaction execution system and method including member institutions, a number of transaction execution machines (TEMs), and a processing and routing system to connect and process information between the member institutions and the TEMs. Each of the TEMs contain an identification device and a user interface, and optionally a material device. When a customer uses one of the TEMs, the user interface is subsequently modified to a full service transaction machine. The TEM is dynamically branded such that it behaves as though it were owned by the member institution for the duration of the customer's transaction and provides the full service desired by the customers of the selected member institution. Different forms of communication can include a display, a keypad or touch pad, an audio and video system. Different ownership and licensing arrangements of the transaction execution system with a plurality of membership institutions is provided.

Description

Automated transaction execution system with a plurality of user interfaces

The present invention relates to transaction execution system.

Background technology

Bank and similar financial institution use Automatic Teller Machine (perhaps being called ATM) to have many years.At first, its oneself ATM installs in each traditional financial mechanism in each subbranch and other position.The function of these attached ATM begins to change, but through after a while, these attached ATM develop into can be to provide more business to lower, more convenient, the easier access modes of client cost.Usually, the business that provides of attached ATM comprises: cash is withdrawn deposit, the limited account transfer between some clients' accounts, dispose such as the ability of the value project of cash or check and the parametric test account balance that produces according to single financial institution.A defective of this ATM system is, each financial institution can be used to serve the limited amount of numerous clients' actual ATM position.

Financial institution has begun to utilize attached ATM to obtain the data of relevant client's custom, and wishes selection customers or the particular customer handled according to financial institution, and behavior or option that attached ATM provides are changed a social system.Provide these keys additional and/or that differentiated service is worth to be to have the ability that traditional financial mechanism controls the behavior of the attached ATM of its client's use.Usually, the many aspects or the whole aspect that have and/or operate and define logic, demonstration, communication, performance, appearance, electronic transaction, book transaction, cash type, denomination by financial institution, and many others of attached ATM operational process, realize this control procedure.The defective of this system is: quantity that the client of covering is limited, depend on ATM and position, need to set up and safeguard the relevant cost of attached atm network.

Because the purposes of ATM constantly increases, so some traditional financial mechanism sees that other ATM that makes its client access not belong to them has advantage.Between the traditional financial mechanism that works in coordination, and regional financial group or national financial group between the independent provider, have been set up, so that user capture ATM each other.Technology is simplified and the realization technical compatibility because need carry out, these cooperative enterprise trends are based on the minimum common feature of ATM capacity, usually from one or the clear and definite type account of a limited number of generic (being commonly referred to " savings account " and " check account ") extraction cash.Further feature comprises inquiry into balance and/or to carrying out transferring accounts between the account with the clear and definite account of generic.For example, these financial groups are " Interac ", " Visa Plus Network ", " MasterCard Cirrus Network " and " Star/Honor " system.The main interest of these ad hoc networks is to utilize most of regional by internationally recognized credit card or bank card, extracts the basic function of local currency cash.Unfortunately, the client can not utilize the ATM that does not belong to the affiliated financial institution of client that the whole transaction that provided usually by attached ATM are provided.Another defective of branch offices of financial group is, drives ATM by " master control " financial institution all the time, thereby to " assisting " transaction of financial institution to control with other.Therefore, how this ownership system pattern can not provide service that enough controls are provided to its client to attached ATM for " assisting " financial institution.

Because the use of ATM is in continuous increase, and can be by wide access owing between traditional financial mechanism, be used to exchange the network of ATM Transaction Information, so the chance of the ATM of any one financial institution occurred not belonging to, usually they be called " white label " ATM in the industry.White label A TM is attractive to retailer and similar enterprises, and the user that therefore can extract cash in the shop prefers entering the shop, and if their drawing, just can in the shop, spend more wealth.A defective is that with the attached ATM comparison by financial institution's control, the function of these white label A TM is limited.

Current, in the present technique field, limited professional ATM is in rapid diffusion.Full-service can only be used the attached ATM by the traditional financial mechanism controls of the access means of distribution such as transactional cards.Utilize the trade network of many interconnection, can utilize the very limited business of white label A TM in other many positions.

Along with the importance of full-service ATM and white label A TM and quantity in continuous increase, the importance of the subbranch in traditional brick dust building and satisfaction are in continuous decline.Set up New Virtual bank, not had actual subbranch's network sometimes based on very limited traditional subbranch network.These virtual banks utilize the Internet, telephone contact center and/or interactive telephony voice response system to conclude the business with other client usually.Yet, for any transaction that between virtual bank and its client, needs to carry out real trade, for example, extracting cash, virtual bank must rely on general atm network.Virtual bank is undertaken by lowest common denominator (common denominator) function the access process of the atm network of foundation, and the lowest common denominator function belongs to the rival of traditional financial mechanism, perhaps belongs to white label A TM provider and/or operator.These virtual banks think maintaining the leading position aspect technology, convenience and the low-cost transaction very much, and still basis is to the mode of doing business of client's permission of " other " financial institution, and the visit to current network ATM now is restricted.These effective modes of doing business are determined by Virtual network operator usually, by Virtual network operator ATM are controlled.Moreover, when its client utilizes existing system to conclude the business, can not utilize the interface that virtual bank is controlled.Display capabilities directly perceived and trading capacity that virtual bank must rely on general atm network to provide.

For other mode of doing business, for example: open marked check, perhaps utilize check or other negotiable instrument to deposit, usually, limit virtual financial institution and utilize mail system, perhaps restriction utilizes another the more place or facility of traditional bank.The example of this practice has: provide the PC Financial that adds traditional transaction way by the CIBC terminal, and the MBanx that can carry out similar setting by the terminal of Montreal bank.Compare this process cost height, loaded down with trivial details and speed is slow with the grade of service that its client expected that this virtual bank is desirable to provide.When concluding the business by phone or internet and client, these virtual banks can control remote interface, and can conclude the business with its client, but when its client uses ATM by a traditional financial mechanism controls, can make its client experience image and propaganda and the competition of traditional financial mechanism.When its client uses white label A TM, usually, for its client provides less function, for example extract cash, and these financial institutions can not be to controlling with these clients' transaction.

Progressively make atm network guarantee that the user conducts interviews by other networking ATM device.In the pattern of controlling by network atm function and the interconnection cooperation of ATM owner financial group when previous entitlement financial institution, except utilizing existing setting and contract and having some technical work performance between each atm network of the interconnected operation of other mode of doing business, has limited adaptive faculty.Therefore, if a financial institution increases function, for example collateralize remaining sum, then other financial institution just can not visit this function, unless utilize setting, contract and the performance of other technical work that relates to data, agreement, transaction message format, meaning and dialogue etc.In addition, when the current ability that does not provide of ATM operation financial institution is provided in other financial institution, can not utilize this specific existing setting and contract to preserve, and technical system change work with carry on an agreement, transaction message format and content meaning and dialogue etc.

In addition, by the financial institution that a large amount of areas attract clients, realize that the required enough big atm network of this target is infeasible economically for hope.In addition, the limited amount of the selectable location of ATM is installed, therefore for each financial institution, is not had the suitable physical location of sufficient amount to set up independently, distinctive atm network.

The explanation of prior art

The Internet Engineering Task Force request is explained: based on the method for numbering serial of card:

At the beginning of 1998 8 months, published the Donald E.Eastlake 3 of IBM Corporation by WWW ^RdWriting, file is by name: " draft-eastlake-card-map-0X.txt " (wherein X is a version number), title are: the IETF material of " ISO 7812/7816 based Card Numbers and theDomain Name System (DNS) ", suggestion adopts the DNS standard to come according to the information and the card number that utilize iso standard bank card and smart card method for numbering serial to obtain, inquiry IP address.This suggesting method makes part card number or smart card numbers relevant with the IP address of using for the card issuer, and example (for example: SET system that provide, that block checking is provided between VISA, the MasterCard etc.) and other similar information that secure authenticated key is conducted interviews that provides in the suggestion is provided for it.Make dns server and its web content server device if realize that this suggestion and various financial institution and card issuer are embodied as the method conversely, if and set up some standard agreement and embed " searching " device, can deliver to the IP address of acquisition with " .gif " (USA 1948110 TM CompuServe Incorporated Corporation) image file that this extension name will identify.This method is only handled the device that obtains the relevant IP of card issuer address from card number to provide to suggestion.The important numbers that indirect finding method can only be provided like this and can require to adopt the irrelevant third party by market effective to provide.The IETF material exists provides the problem of complete finding method to the client to the main financial institution of its dont answer, and the IETF material can not solve and relates to the above-mentioned other problem that has the ATM system now.

Huntington Bancshares invents, title is the 5th, 787, No. 403 and the 5th, 899, No. 982 United States Patent (USP)s of " Bank-centric ServicePlatform, Network and svstem "

A plurality of United States Patent (USP)s have been authorized Huntington Bancshares, the wherein famous the 5th, 787, No. 403 (' 403) United States Patent (USP)s defective that the expansion by utilizable financial business of electronic method and non-financial business causes to bank client in the prior art before this patent is illustrated, although it can utilize those clients to keep its own image, damaged the client own of bank and carried out trading ability with it.The ' No. 403 of the Bancshares solution that patent provides is that the identification code of financial institution is inserted user to concluding the business with electronic method and bank, and carry out in adjacent transaction or the relevant process of exchange at trading time period, use to concluding the business on each interface or screen that the user at each interface of being provided with is provided with other service provider.The ' No. 403 patent suggestion added gateway in bank's mainframe computer system be the center communication means to provide to bank client with the bank, thereby can insert bank identification number and during customer transaction, safeguard, trading time period can also comprise the transaction with other service provider, thereby guarantees that the client is connected to this bank when expecting utilizing the banking that provides.Although this invention is to being that the identifying at center is illustrated with the bank, it only relates to single bank is the solution at center.The present invention points out that prior art carrying out trading time period by electronic method (for example, suppose and utilize white label A TM and personal computer) client own with it, is difficult to keep bank identification number.The content of `403 patent attempts to utilize the scalable single bank of scale solution to solve based on the prompting problem of bank one by one, but not answering a question that it is left over be, is positioned at the effective quantity problem of ATM of a large amount of positions and the identified problems with user attaching mechanism indexing unit.The `403 patent does not solve the defective of above-mentioned discussion: the adaptability of the mechanism that actual ATM position " master control " mechanism limited, that have ATM is limited to the type of transaction that other institutional client carries out, the trading capacity between the different institutions account is limited, have atm network and the requirement to virtual bank of above-mentioned discussion.

Citicorp invents, title is the 5th, 933, No. 816 United States Patent (USP)s of " Svstem and Method for DeliveringFinancial Services "

The a plurality of international branch that Citicorp Development Center, the 5th, 933,816 (' 816) number United States Patent (USP) of Inc invention relate to single banking institution is provided with the interface that the place is clear and definite, the client is clear and definite.Usually, the ' No. 816 United States Patent (USP) has been introduced a kind of financial business systeeme secant, and this financial business systeeme secant makes the various remote equipments that can insert single banking system in the different location have consistance so that the consistent mode of being familiar with the interface to be provided to the client.The scalable computer code method of the segmentation scale that utilization can be reused, based on branch or client's on-site (relating to banking regulations, monetary unit, deposit restriction rule and drawing restriction rule etc.) rule, and, provide these interfaces based on having with ATM and other traction equipment (comprising legacy system) and a plurality of single banking computer interconnection that is positioned at a plurality of diverse locations, with the rule of the native language of the ability of a plurality of financial business of bank client being provided increase.By the common application cardinal number of code that can reuse is provided for remote equipment, the ' No. 816 United States Patent (USP) suggestion shortened realization time, test duration and reduced errors.In addition, the ' No. 816 patent specification a kind of what be similar to the ' No. 403 United States Patent (USP) system is the system at center with single bank, and provide a kind of modular software method to support the multiple computing equipment that has for the interface that the client was familiar with of single bank.The ' No. 816 United States Patent (USP) system do not solve many defectives of the ' No. 403 United States Patent (USP) system of above-mentioned explanation.

The ATM system Diebold explanation, that introduce serial HTML realization

Also have some to discuss the series atm application that particularly Diebold did (the 2nd, 271, No. 209, the 2nd about prior art, 271, No. 210, the 2nd, 271, No. 212 to the 2nd, 271, No. 216, the 2nd, 271, No. 218 to the 2nd, 271, No. 220, the 2nd, 271, No. 222 to the 2nd, 271, No. 224, the 2nd, 271, No. 394 and the 2nd, 271, No. 686 Canadian Patents).These Patent publish move similar transaction machine with the conventional accessory ATM system integration in modern atm network and by TCP/IP.These systems provide and conventional ADS driving department of computer science unifies inserts the mutual method of traditional ATM between conventional network element and the modern network unit with translation system.These applications provide a kind of system of customer-centric, with this customer-centric system introduce leave over or conventional accessory ATM system in personification experience to provide the user to use single institution.

Leave over or conventional accessory ATM system based on the ATM network operation, the effect of ATM resembles the dumb terminal that external unit and sensor have been installed, and it links to each other and write down the ATM activity with the driving computing machine of control expression, affairs logic and order, external unit function and affairs special permission and is used for keeping accounts afterwards.Usually, this subsystem adopts private communication language and the technology such as Diebold 911/912.A defective of this system is except the single institution of control ATM, do not have mechanism directly to control ATM usually, and realizes communicating with so-called other mechanism by the transaction protocol of as offered.These processes are carried out with " request " pattern almost always in a sequential manner, in attached ATM internal network, carry out multiple Small Extension Node. Communications between ATM driving computing machine and other mechanism.The object of these affairs is only handled the financial sector of transaction, and the impression at the interface between trading time period client and the ATM is not handled.The agreement of system, language and structure have produced many restrictions to the intersection body function of above-mentioned discussion.

In a patent description (the ' No. 218 patent of Diebold invention), traditional ATM drives computing machine and sends and receive instruction and information with professional format.Http-server is inserted between conventional ADS driving computing machine and the target ATM (it is the ATM that web allows), the server that inserts has the database translating equipment of tabling look-up, and, the driving computerized information and the instruction of translation is sent to the ATM of web permission by HTML (Hypertext Markup Language) (http).In another conversion example (the ' No. 224 patent of Diebold invention), by legacy protocol, with the form that is used for receiving and moving according to it, the ATM that tradition realizes receives information from the conventional ADS driving computing machine, and response with it.ATM refers to the another kind of http-server of graph user interface unit that especially can realize and can obtain thus this user's right of priority to this user.In the ' No. 686 patent of Diebold invention, be illustrated operating the ATM that the HTML that links to each other allows with " ownership http-server ", its replaces conventional ADS driving computing machine and links to each other or link to each other with " other " mechanism with ownership mechanism back-office process.

Yet, all supposition in all Diebold information management systems, ATM obtains user identification code, inserts the right of priority of relevant user home page address with drop-down user profile and user, and carries out trading time period the user, and the personification interface and the logic of customer-centric is provided at ATM.These Diebold systems mainly provide the interface of customer-centric, but this interface has intersection mechanism functional defect similar to the above, so still belong to the pattern of customer-centric.In addition, these Diebold systems have adopted a large number of users information " page " and " address ", will in network, produce a large number of services amount like this, therefore to realize this system, but need very a large amount of safety access memories usually, and can produce difficulty to the particular organization mark is set, a plurality of mechanisms that relate to a user identification code and address are in some way arranged in the particular organization mark.

Divide an application (Diebold invention the ' No. 214 patent) and the method for a kind of response subscriber card information with searching user's overview and right of priority (comprising the source) described in continuation application for one, utilize it to carry out providing on the mutual ATM customization interface the user then, all modern networks all adopt http, TCP/IP and HTML (or another kind is similarly based on document language), wherein user profile are stored into certain address so that user's personification experience to be provided.

Above-mentioned explanation be in the pattern of center mode and customer-centric with the bank, usually only go up the device that a mechanism is handled for the user is arranged on ATM, so just do not need the client to conclude the business inter-agency.These transaction that said system provides can be used as the part of the single body function of control ATM, but this only is confined to its attached ATM.The data pattern of the customer-centric that Diebold describes and several defectives of communication pattern comprise: but need in system, keep a large amount of addresses and bulk information stream access and safety, thus the position of using customer-centric.In addition, disclosed system is " cordiality " and need communication steps between a large amount of parts, and this can have problems to narrow-band communications links or high latency communication link or processor.In addition, the pattern of customer-centric can realize personification to the particular transaction type, but has limited the purposes of total system.

Apparent from above-mentioned explanation, need a kind of financial institution that can make in wide geographic range, to provide mark ATM the transaction execution system of business to its client, but except maximum financial institution, for any one financial institution, if not shared the required implementation cost of configuration ATM jointly by a plurality of financial institutions, this is impossible, infeasible technically economically.Another defective of existing ATM system is that the number of any one financial institution utilizable full-service ATM position is limited.

The ATM that does not belong to any specific " attached atm network " ingredient (for example: " white label " ATM) can not provide effective " full-service " ability to subsystem ATM to the client of member financial institution.For unafilliated ATM operator, this situation is not needed, and is not optimal cases, because can only conclude the business on a small quantity in these terminals, thereby has reduced the income of its purposes and derivation.

Need carry out mutual device by " utilizing the e-bank of personal computer or the phone " business that sends or receive actual value project (for example: coupon, banker's bill, proof procedure, deposit) and its client and be positioned at a plurality of ATM position for " virtual bank " provides a kind of.

Apparent from prior art and implementation process thereof, all have limited intersection body function in any ATM, the system of network interconnection financial group (the crag-fast type of transaction subclass of Interac) of traditional atm network structure and operation and agreement and the pattern that is adopted are depended in these restrictions.

In addition, also there are some restrictions in the function aspects of allowing at ATM, this is to cause as the control of the actual possession of its a part of network or system by subsidiary entitlement or to ATM or to ATM, so that will be restricted to the owner of ATM to the abundant use of ATM in some cases.

The purpose of this invention is to provide a kind of transaction execution system, method, equipment and business method, they can avoid or reduce above-mentioned shortcoming or defective, perhaps satisfy above-mentioned needs.

Summary of the invention

The unappeasable needs of prior art that a kind of above-mentioned discussion occurred, promptly to be primarily focused on member mechanism and to utilize the mode of member mechanism mark as the center, but not the distribution pattern of customer-centric or be the pattern at center with the bank provides a plurality of property marker transactions machines on network.

According to the present invention, a kind of dynamically labeled transaction execution system is provided, this system comprises: at least two member mechanisms, at least one shared TEM and processing and path selection systems, and the information between the user of a member mechanism and a shared TEM is connected and handles.Under the control of a member mechanism of selecting, comprise the indexing unit that is suitable for TEM thereby the information that provides with the response user is provided shared TEM.

According to another aspect of the present invention, provide a kind of method that is used for dynamically labeled TEM, the method comprising the steps of:

A. TEM start the user and the mechanism from a plurality of mechanisms, selected between transaction, selection mechanism comprises the predetermined labels unit;

B. the identification information that provides according to the user is connected to selection mechanism with TEM; And

C. the predetermined labels unit according to selection mechanism is configured TEM, thereby utilizes the identification code and the dynamically labeled TEM of function of selection mechanism.

According to next aspect of the present invention, the method for a kind of dynamically labeled TEM is provided, the method comprising the steps of:

A. make TEM keep idle condition or waiting status;

B. the user provides information to start process of exchange to TEM;

C. according to this information, operationally TEM is connected to selection mechanism, selection mechanism comprises predetermined labels unit group;

D. utilize the predetermined labels configuration of cells TEM of the selection mechanism that is suitable for the TEM ability;

E. allow user and selection mechanism to conclude the business;

F. after finishing process of exchange, make TEM return its idle condition or waiting status.

According to a further aspect of the invention, passed through a kind of transaction execution system, this transaction execution system comprises:

A. TEM is used to simplify the user and from the process of exchange between the selection mechanism of a plurality of mechanisms, selection mechanism comprises the predetermined labels unit;

B. communication system responds the information that the user provides, and is used for TEM is operably connected to selection mechanism; And

C. configuration-system is used for a plurality of label informations according to selection mechanism, TEM is configured, thereby utilizes the identification code and the dynamically labeled TEM of function of selection mechanism.

In another embodiment of the present invention, provide a kind of dynamically labeled transaction execution system, this system comprises:

A. many member mechanisms, each mechanism in a plurality of member mechanism comprises the predetermined labels unit;

B. at least one shared TEM; And

C. at least one route and disposal system are used for one of a plurality of member mechanism to selecting and the information between the shared TEM and connect and this information is handled; Wherein be configured sharing TEM like this, promptly when the client when shared TEM provides information, one of a plurality of member mechanism of selection controls shared TEM; And utilize the predetermined labels unit to carry out identification code and the function of mark so that selection mechanism to be provided to sharing TEM.

According to a further aspect of the invention, provide a kind of be used for transaction execution system can dynamically labeled TEM, this can comprise by dynamically labeled TEM:

A. communication system is connected to the mechanism of selecting thereby can operationally link to each other with TEM according to the information that the user provides with TEM from a plurality of mechanisms, and a plurality of mechanisms comprise the predetermined labels unit; And

B. configuration-system is used for according to selection mechanism TEM being configured, thereby helps to utilize the dynamically labeled described TEM in predetermined labels unit of selection mechanism.

According to a further aspect of the invention, provide a kind of system that is used for providing to the user dynamically labeled reciprocal process, this system comprises:

A. TEM is used to simplify the user and from the process of exchange between the selection mechanism of a plurality of mechanisms, selection mechanism comprises the predetermined labels unit;

B. communication system is used for operationally TEM being connected to the predetermined labels unit of selection mechanism;

C. configuration-system is used for the predetermined labels unit according to expectation, TEM is configured, thus dynamically labeled TEM; And

D. income stream is resultant as the reciprocal process between user and the TEM; Wherein the part income stream is distributed to the participant of system.

According to a further aspect of the invention, provide a kind of computer-readable medium that is used to provide dynamically labeled transaction execution system, this computer-readable medium comprises:

A. at least one TEM, be used for simplifying the user and the mechanism selected from a plurality of mechanisms between process of exchange, selection mechanism comprises the predetermined labels unit;

B. communication system responds the information that the user provides, and is used for operationally a TEM being connected to selection mechanism; And

C. configuration-system is used for according to the predetermined labels unit TEM being configured, thereby utilizes the identification code and the dynamically labeled TEM of function of selection mechanism.

Description of drawings

By the present invention is described in detail with reference to the accompanying drawings, it is more obvious that these of the preferred embodiment of the present invention and further feature will become, and accompanying drawing comprises:

Fig. 1 illustrates the sketch of dynamically labeled transaction execution system;

Fig. 2 illustrates transaction shown in Figure 1 and carries out machine (TEM);

Fig. 3 illustrates the user interface of TEM shown in Figure 2;

Fig. 4 illustrates alternative embodiment shown in Figure 1;

Fig. 5 illustrates alternative embodiment shown in Figure 1;

Fig. 6 illustrates alternative embodiment shown in Figure 1; And

Fig. 7 illustrates the synoptic diagram of the TEM display shown in Figure 2 of simulation rigid line button.

The explanation of preferred embodiment

The embodiment of the invention usually provides a kind of method and system by the dynamically labeled transaction terminal of selecting of particular organization in a plurality of mechanisms, dynamically labeled transaction terminal also is called as transaction execution machine (TEM).TEM can be inserted through route and disposal system with in TEM and the transaction execution system that mechanism links to each other.TEM can be according to dynamically labeled supposition " multiple individual character ", and at trading time period, the predetermined rules (or indexing unit) of customer selecting mechanism are determined dynamically labeled.This executive system setting comprises TEM equipment and the system of this dynamically labeled TEM.

TEM is a kind of machine that is used for carrying out transaction between the user of machine and mechanism, and wherein TEM is by I/O subassembly and user interactions.Communication system and configuration-system link together TEM and mechanism.Carrying out trading time period with the user, can be configured mark TEM with the mechanism that comprises at least one expectation.

TEM can comprise various known devices, measurable device and the device that may occur in the future.After suitably disposing as a disclosed system part, the known devices that can be used as TEM comprises (meaning for instance and without limits): ATM; Personal computer has browser and also can visit on the net; Web-TV ( ^TMMicrosoft Corporation) and similar device; The cellular phone that browser allows, PDA; Various automated banking machines; Bidirection pager; Portable computer has wired web or wireless web or can communicate access; The pavilion that shows booth such as the touch-screen with communicator/interactive information; Above-mentioned arbitrary or have or do not have the exemplary functions of printing, defeated paper, scanning or storage or other similar " traditional ATM ".TEM can also be various Automatic Teller Machines, automated banking machine, Point Of Purchase device, pavilion and have the ID that receives user's input or user ID and subsequently to other device of the device of user's indication mechanism tag content.Facility are carried out in " TEM " or transaction as used herein this meaning.

TEM can comprise browser and the above-mentioned configuration that comprises mark, by being delivered to be similar in browser document, TEM instruction and data form, the feature that embeds to realize this configuration, but in fact can utilize browser that this configuration is handled, this configuration comprises (meaning for instance and without limits): applet, data and by insert can be processed in the browser etc. instruction.Show or the interface by being converted into, the content of browser performance can provide an interface for the user at TEM, can utilize simultaneously the data and the instruction that are sent to TEM that TEM is handled, utilize browser or its plug-in type application program or can control with identification touch-screen input media TEM such as the applet or the applet etc. of instruction, the dispensing cash and subsequently in TEM recorder state and incident or transaction, at the operational process of the peripheral unit of TEM or the device of business, transmission TEM state etc.Therefore, the user interface that the TEM that is disposed provides can be not limited to by comprising working as at least: do not have surperficial browser or do not have a browser of the browser on top layer to show, streaming audio or stream-type video or other data type are inserted such as QuickTime (TM AppleComputers), Shockwave (TM Macromdia), Flash (TM) is in Realaudio players such as (TMReal Corp) or the parts.

At this, logic, expression and the appearance that comprises the TEM user interface of the transaction that the TEM that can be used as ATM carries out can be referred to as " mark " unit, and when providing, can also be referred to as " dynamically labeled " mark by system of the present invention is variable.

Some sampling indexing unit comprises:

● sign

● pattern style, tone, layout

● display layout, external appearance characteristic, trade mark, impression

● function, advertising space, advertisement copy, specific characteristic and function

● sequencing ability is adjusted in transaction

● the type of transaction that allows, encourages, by the complexity of the another kind of type of a kind of type of access, trading time period query/response step or the page/action step that require or that provide; Effectively account's quantity and type, the interface with out of Memory (can be the information of simply giving information, or depend on the information of user identification code or hobby, TEM position, time, historical purposes etc. in some way)

● final user's personification degree (that can select or that obtain by statistical study or obtain otherwise identification code, name, hobby)

There are 3 conversion examples in TEM " mark ": 1) communicator and the inking device when directly TEM being controlled by system when member mechanism; 2) when member mechanism utilize leave over or tradition special permission network provider (for example: provide transaction business system of Interac financial group), but when requiring the part mark to be carried out in transaction according to User Perspective; And 3) carry out when mutual at TEM as the user as system's part, in this system, the user wishes that the mechanism that concludes the business is not a member mechanism, in this case, can requiring to conclude the business, special permission, logic and order and Interac or other are left over or the requirement of the professional control of conventional transaction is consistent, can utilize the router/switch unit of communication system of the present invention or configuration-system that other " mark " unit is controlled, and other " mark " unit can comprise the advertisement that the user is directed to member mechanism from user's preferred means of non-other mechanism.Need not to make non-member mechanism that TEM is provided configuration, can be configured TEM according to system's " generic " pattern, thereby make non-Member Users can't see non-member's mark, but can utilize this system to content and boundary element that member mechanism standard and router/switch operator, the TEM owner and this intrasystem other interested party provide, carry out generic type transaction (very as Interac or Cirrus or Star position are present realize).Although screen and other label information be not to the special use of independent mechanism in the generic pattern, the generic pattern still can utilize the basic sides of dynamically labeled system to increase the transaction purposes.In an example, ATM deployer, businessman or system operator can make the user select precedence language in effective range of choice, and then, this system can show all " generic " functions with the language that the user selects.In addition, by TEM or by some other device, perhaps when some is imported At All Other Times, the precedence language that this system can recording user be selected, and can call and carry out hobby to adjust.During preparing operational system, perhaps during the particular step of process of exchange, appropriate authority and/or TEM client can pre-determine the type and the quantity of indexing unit.

Some mechanism can find when becoming the member of system for this reason at first, the surface, sign, tone and the appearance part that make trade mark and mark are under the control of system, simultaneously in the existing system place or the provider position keep transaction control, useful or effect is best.This set can be permanent be provided with or as the part of transient process to allow early to enter whole a plurality of property TEM system, by the system that the indexing unit trade mark style that is provided is provided at least many characteristics TEM is set.

When making word " mark ", mean broad sense scope, and the title and the sign thereof of mechanism not only are provided." mark " comprises all aspects of the mark that can comprise as used herein, for example:

The overall style and the theme that show; Sign; The pattern style; Tone; Layout; Barment tag; Trade mark; Impression; The diction that uses; The dialect and/or the national language that use; The advertising space that exists or lack; The advertisement copy; The type of transaction that allows or encourage; Visit the complexity of another kind of type of transaction by a kind of type of transaction; In trading time period query/response step or the page/action step that require or that provide; Effectively account's number and effectively type of account; Interface with out of Memory (can be the information of simply giving information, or depend on the information of user identification code or hobby, TEM position, time, historical purposes etc. in some way).

When " being scheduled to " indexing unit was discussed, we counted the indexing unit that has designed or are used to assemble or make up and have designed and stored or the computation process or the instruction of the indexing unit of access at this moment.

In order to use a plurality of property TEM system, must determine that the user wishes to carry out with it mutual mechanism.Mechanism in order to determine to require must provide some information.This information must adopt several very special forms:

A. the actual machine computer-readable recording medium that shows of user.This can comprise, but be not limited to smart card or other card and check;

B. about user's biometric information.This can include (but are not limited to) to survey the physiology identifier, for example: voice print, impression of the hand, iris scan etc.; Perhaps

C. for example, by infrared ray, RF, phone (calling out a telephone number) or alternate manner by TEM the user side to or representative of consumer send to some signs of TEM.

Select by the user interface that makes the user utilize TEM to provide, for example by selecting on its waiting status interface, the user can bring into use system.This perhaps utilizes keypad, keyboard or button on the TEM to realize usually also by selecting on the touch-screen of TEM.

In the case, the actual tag that provides of user can be a kind of card such as credit card or bank card usually.This card can have the magnetic stripe of the necessary information of carrying, perhaps this card is chip card or smart card, chip card and smart card have storer on the card of storing necessary information within it, perhaps above the two get one or above the two all use, this card can also comprise bar code or other machine sensible information.In some cases, can or carry information with the storage of several forms on the card, for example in the store memory storage information of chip on the magnetic stripe or on the bar code and on the card.In this case, the information source that is read depends on the ability of TEM.For example, card can not only have magnetic stripe but also have bar code, and when as use card in the TEM of this descriptive system part the time, can read magnetic stripe.When use the same card to carry out commerce when checking out in the point of sale, can utilize photoscanner on the silver cabinet to read bar code on the card.

For for simplicity, when making word " smart card ", the chip card that all refers to have only the chip card of storer or not only had storer but also had computing function is because any one card all can be used for system described here, method and apparatus in these two kinds of cards.

If sign is a physical token, then the user is submitted to TEM with it.This generally includes the card reader on the card insertion TEM.This card reader has several forms: when the user checked card by reader, the electronic reader that card is extracted in the machine read them, and perhaps when the user manually inserted card, the user still can carry out access to it.The reader of all these types all is suitable for magnetic card, has only last two kinds of readers that chip card or smart card are read.Electronic reader is generally global function automated banking machine and high-end booth, and in low side ATM, cash dispensing device, intelligent display phone, most of pavilion and mancarried device, squeezes into or manually to insert method more common.

In case the user submits card to, some or all information on the card of reading are to determine the mutual mechanism of customer requirements.This information can have various ways, comprising: URL, BIN, IIN or unique number or unique string.In fact, this information can be two or morely to combine the information that becomes unique information for identification mechanism, and can provide this information by a step or multistep.

For example, as mentioned above, if system operator is specified unique number to its member mechanism in country ground one by one, and it has this numbering of bar code form and member's project of country code member's authority releases on project, at least under the particular system situation, by utilizing the bar coding project to provide unique benchmark to member mechanism, member mechanism can make its user use this system.

If the client is by submitting smart card (wherein said card contains the identifier of several mechanisms) to TEM, discern client's expectation member mechanism, then can by block occur, show selection as the mark display of all mechanisms of described transaction system member to the user, the user selects then.

The another kind of method at the mark interface of the mechanism that the user can obtain to expect is to select from the waiting status TEM interface of pointing out to wish manual selection mechanism.Can encourage the user to use several different methods to arrive the sole body of expectation.This is because of a series of sharpening problems, utilizes title search, amplifies a series of selections of carrying out in thematic maps or the geographic map at a series of increasing images, and perhaps mechanism's identification number of numbering by manual input such as BIN, IIN or route produces.The mark of mechanism that can show this expectation is to represent that this mechanism is the member of system.Usually, mechanism can require the user to be provided for the further information of discerning and authorizing.

In above-mentioned transaction execution system, some or all TEM can comprise the User Recognition system, are used to utilize the method that at first comprises user biological statistics identifier, discern the mechanism of described user expectation automatically.Catch the user biological statistical information at TEM, and the project in the biometric data storehouse of this user biological statistical information and each the member mechanism that supports the user identifier method is compared.For example, if the biometric identifiers method is to carry out iris scan, then only need in mechanism, carry out client iris scanning with its some client's iris scan.In this example,, each mechanism's iris database is carried out and line scanning in order to accelerate versus speed.If only find a coupling iris, then be presented at the mark of the mechanism that finds the coupling iris in its database.If found a coupling iris incessantly, then system shows the selective listing of all coupling mechanisms to the user on the display of TEM, selects to begin transaction in from then on the user can tabulate.If have several possible mechanisms for the specific user, then can show the indexing unit in the coupling mechanism real marking subset of cells, for example, and little sign, tone, thus support that the user selects.After selecting the mechanism of expectation, show the mark of this mechanism.Utilize said method and system can make mechanism relevant with the expression of mark position and this mark.

Preferably remain on and by TEM directly or the biometric data storehouse combination of the single position by some intermediate system accesses to improve the biometrics matching performance by making.

Dynamically labeled transaction execution system described here is operably connected to one or more tradition or leaves over trade network, thereby when the user submits the sign of mechanism of expectation of the member mechanism point out not to be this system to, by utilizing the conventional transaction network operationally to communicate by letter, support customer transaction within the possible range with the non-member mechanism of expectation.In this case, can not carry out mark, and effective type of transaction can be restricted to the type of transaction that certain conventional trade network (for example: Interac, Cirrus or Honor/Star) is supported transaction.

In other cases, mechanism can be the member or the participant of this system, but only connects this mechanism by the conventional transaction network.In this case, utilize by or member machine made up uprightly and by the arbitrary content that provides among the service provider of TEM, communication system and route system or representative office, comes the marker transactions process.

In the dynamically labeled transaction execution system process of foregoing description, the TEM user interface can comprise the ability that the user is directly communicated from the representative of described TEM and all member mechanisms.This directly alternately can be in process of exchange, promptly mechanism because with relevant reliability reasons out of control, client traffic reason require to carry out artificial when mutual to handle complex requests or directly to carry out mutual.This can be by carrying out teleconference or directly mutual phonevision meeting realization.If suitably, can use the TEM display to show the image of client traffic representative.Use teleconference just to require TEM to contain suitable microphone and loudspeaker.

This representative can be arranged on described member mechanism position as the part of described processing and route system or be arranged on the service provider position of representing described member mechanism.

By making the execution machine of respectively concluding the business according to the program that embeds with the document form that router/switch is provided with or pass through the router/switch Route Selection, control its oneself external unit, for example: printer, the currency dispensing device, the save chamber, keyboard, screen etc., and by same router/switch will move and state return, except " dynamically labeled ", network function is set, function on the router/switch preferentially is set, this function provides translation, buffer memory and explanation are professional, translation, buffer memory and explain that professional permission can operate TEM is wished use information and is programmed by the XML that uses TCP/IP; And the conventional transaction authoring system, wish to utilize the proprietary message format of No. 911/No. 912 patent of inventing to respond such as Diebold.

On the contrary, by from traditional ATM to router/switch routing state information, function on the network, preferentially be that function on the router/switch provides translation, buffer memory and explains professional, translation, buffer memory and explanation business can be moved traditional ATM, utilize the conventional transaction authoring system or utilize the more modern Trading Authorization and the accounting system of wishing to use by XML information and content, traditional ATM wishes to use communication process and instruction by the proprietary message format of No. 911/No. 912 patent of inventing such as Diebold and agreement.

By to traditional authoring system and control system, tradition ATM, the instruction that TEM that modern web on the router/switch allows and modern web allow, translation database, cache database, communication between decryption storehouse and the simulated database provides explanation, buffer memory and translation, can the processing procedure of requirement and the coordination problem of data appear at the computer location stronger than limited capacity TEM then, if and with these two kinds of dissimilar incidents with its arrive homology not or never the own form that comes out of homology directly deliver to TEM, can also utilize the conventional transaction authorized order to provide dynamically labeled, and can not produce the problem that label information and Transaction Information are coordinated.

In various traditional ATM that a plurality of providers provide,, a plurality of rigid line buttons are set at each point around the ATM display screen with array way.Can change demonstration pointing out the function of each described button, user and ATM carry out mutual during in a series of transaction step during, in different step, the function difference.

When suitable touch-screen video display being set as external unit for TEM, the partial information that utilization is used to dispose TEM (for example: utilize html document, mark, applet etc.), dispose described display, on traditional ATM, can make the described screen simulation of part rigid line button like this, thereby utilize the embodiment of the invention as an example, what link to each other with mark by Route Selection and switchgear and described mechanism, web allows, the TEM that browser adapts to can simulate the existing label information of handling the relevant member mechanism of the mode of its attached traditional ATM with it.

In order to simplify the process of operation TEM, can in the same document sets of the mark that comprises mechanism, comprise instruction or the TEM ability of moving specific device.These instructions help to realize following one or more functions etc.: type information on the printer of TEM; Printing comprises the coupon of bar code; Dynamic print is worth project, for example: tickets for competition, internet postage, negotiable instrument, draft or check, shipping ticket, the deed of gift, lottery ticket, licence or license or scrip; The existing value project of request dispensing, for example: currency, prepaid telephone card, traditional stamp, coin, voucher, the deed of gift; The paper project that reception enters set save chamber comprises: signature table, application form, negotiable project and currency; User images or some biometric data are caught in triggering; Triggering is caught on the signature plate or the signature on the touch-screen; The scan image of other bill that bill, invoice, check or user provide is caught in triggering.

Mechanism can know the device capability of effective TEM in the process of exchange in advance, perhaps when beginning to conclude the business at every turn, send the device capability of effective TEM, but be revised as the device capability that is provided with at TEM, screen size, external device start consumes power, machine state etc. with user interface that TEM is shown and indexing unit.

When beginning to carry out process of exchange, perhaps when beginning to carry out process of exchange, but thereby TEM can with its ability and selectable consumption state be sent to system and the participant realizes the optimal dynamic mark.When needing, during process of exchange connects, but TEM can inquire about at any time with the existing consumes power state that obtains device capability or state, TEM, the data of collecting by TEM or at TEM etc. in mechanism.In addition, mechanism provides be used to control the tag content document of its mark can the access status information relevant with TEM, but comprise project such as consumption state.In both cases, certain time point in the user transaction process of mark that comprises this mechanism and control procedure, the existing force that mechanism can each TEM of dynamic response.

During the operation transaction execution system, TEM can wait under the pattern that is called as free time or waiting status.Under this state, there is not the user directly to use TEM.Wish to use the user of TEM at first will be used for determining that to subsequently the user wishes that the TEM of the mechanism mutual with it provides information.TEM operationally links to each other with this mechanism, and the user just can conclude the business with mechanism like this, and if this mechanism be the user of this system just, on TEM, will show the user's of this expectation mark and configuration.User and this mechanism conclude the business, and in whole process of exchange, for user's content displayed is a content specific to this mechanism, and utilize all aspects of the mechanism's mark that is suitable for this TEM ability and position, finish this process of exchange.When process of exchange finished, TEM turned back to the idle condition of waiting for another user.Next user can conclude the business with different institutions and can be subjected to one group of diverse content and mark.TEM preferentially has the open flexiblesystem that is used for displaying contents, and helps to provide the various tag content of a plurality of mechanisms.

When starting the process of exchange of TEM and selection mechanism, for example, term " is operably connected " and can comprises:

● communications facility identifier and communication facilities directly or indirectly between TEM and the selection mechanism or between another the agency in one of TEM and selection mechanism and TEM and selection mechanism, have or do not have lasting physical circuit; And

● in some cases, connect and to comprise between two entities or more than identifier and communication facilities between two entities; And

Yet ●, can suppose that connection can be between some parts of mechanism's indexing unit of TEM user and expectation; And

● connect and to mean that system shows to such an extent that resemble the connection that the reality of foregoing description has realized.

Utilization can guarantee or make its device that can guarantee reliable data transmission to connect TEM by network.Network can link together the member mechanism of TEM and expectation, the service provider of representative office, and links together with management organization that is responsible for the value project in the TEM is kept accounts and the mechanism of responsible operation maintenance TEM.

Can link to each other with TEM and adopt the mechanism of the dynamically labeled system of foregoing description to comprise: the financial institution of form of ownership; The special businessman who wishes by the system of abiding by the law and its client's opening relationships; Issue the government organs of identifier or license or licence; And be desirable to provide and be used at various access points, to being the mode that the image that shows of user and function are controlled, carry out any other tissue of mutual device with mechanism with its client or member.Therefore, use this piece file of term " mechanism ", " mechanism " means tissue, mechanism, company, the agency of government, businessman etc., for example comprise: bank, credit cooperative, the savings and the company that makes loans, financing corporation, insurance provider and middle man, the credit card issue person, commission house, trust company, unit trust, property management company, the lottery ticket tissue, the automobile agency, mortgage company, the government license main body, airline, cooperative society, federation, charitable institution, and financial institution, the businessman, any of service provider or retailer.

Obviously, in the multimachine construction system of describing in the document as a part of the present invention, the mechanism of the tagged traffic regulation that the comparison of the mechanism of existence is set is many, stipulates that mechanism refers to member mechanism.Obviously, stipulate described business at the relevant transaction layer of transaction execution system.

Although mechanism links to each other with TEM, this executive system can be handled and comprise mark that embeds in it or the document form of instruction.Current the most general, be HTML (" HTML (Hypertext Markup Language) ") based on the document of mark, HTML is the conversion example of the standardized generalized markup language (" SGML ") of more general type.SGML also comprises other conversion example such as XML (Extensible Markup Language).The XML that utilizes some capability development of expression unit description mainly is the transmission course at intelligible data of intercomputer and data structure.

In the system software implementation process of current " web " technology of employing, the image of collection, indexing unit, machine instruction and data are referred to as " document " usually.Document trends towards representing the logical subdivision of big associated instruction set or data set, and generally includes the reference data ability or the access control to instructing in other document in other document.More precisely, these documents are the files that contain the unit of certain standard mode arrangement, so that can explain this document unit, and interpreter can move to be provided with or control appearance, data, transaction flow and many other unit according to the instruction in this file unit.Under dynamically labeled situation, " document " can be really document standard a kind of and that extensively adopt (for example: HTML) consistent set.Yet, those of ordinary skill in the present technique field is readily appreciated that, these set can be that the set of not general type maybe can be the set unique to the particular implementation process of system, and " document " needn't directly contain human soluble unit, for example: text, " but document " can contain any instruction set, data set or their combination in any, instruction set, data set or their combination in any comprise the unit such as software routines, direct computer executable code, can transmit code or not rely on the code of platform, data cell, mark, variable and any other project of in the Control Software processing procedure, using, like this, can system can explain like this, read, or carry out whole " document " or part " document ", promptly system can move with control according to them, configuration or influence its operation, ability or appearance.In the context of this system of explanation, it has been generally acknowledged that term " document " comprises extensively standardized all the tradition collections of the quilt that is commonly referred to document, for example: contain or with reference to the html file of java code, thereby help to understand the system of the pattern that employing generally is familiar with.Yet this term that uses in this transaction execution system comprises, forms the data or the code of the contemplated system behavior of logical subdivision, and instruction arrangement, instruction sequence or the instruction set of maximum magnitude.Although term URL is used in this official holiday surely traditionally, but the those of skill in the art in the present technique field are readily appreciated that, use term URL, as dynamically labeled system situation undefined, URL can be any benchmark form, or pointer, code or the data of instruction or any other expression of initial set just of the label information that is used as of TEM.

XML provides the method for utilizing the dtd data of description, though the human-readable machine processing that is suitable for of this dtd.The XML data description begins to utilize to be convenient to understand and can be by the model representation data type of particular business type of process.XML document can be regarded as " data-driven " but not " affairs drive ", and in fact, they itself are " self-description data ".In the data communication process of the machine to machine that utilizes the hyperlink ability to provide not rely on device, the formative document of XML is very useful, so XML is the most effective language based on mark of the current TEM of being used for.Yet, obviously, at the benchmark of this reference term HTML, XML or SGML and term HTML, XML or SGML or with reference to document with the instruction of embedding or mark, can be regarded as the benchmark of each the suitable member in general group, those of ordinary skill in the present technique field is obviously known the place of doing like this, and these terms are interchangeable.

If purposes implicit or supposition Http and TCP, then Http and TCP can be interpreted as and comprise other host-host protocol and document transportation protocol similar or function equivalent, for example, but be not limited to: wireless access protocol (WAP), and the those of ordinary skill in the present technique field is known when doing when like this, can be exchanged described term.Equally, knowing the place of doing so somewhere, wireless markup language (wml) can exchange (as defining elsewhere) with XML.

Subscriber card can contain the reference of document.The agreement that has a kind of good standardized method can be used for the address of regulation document, document and be used for access document.The method is called as uniform resource locator (URL).For example, a kind of form of URL is:

http：//brand.autobranch.com：80/startingpoint.html

Wherein " http: // " part is stipulated the agreement of visit information, and in this example, this agreement is for being generally used for transmitting web document () " HTML (Hypertext Markup Language) " for example: HTML and XML." brand.autobranch.com " segmentation is the logical address title of institute's access computer.Utilization is real ip address with the domain name system (DNS) that title is translated as the IP address on the WWW with this name translation.In this example, " startingpoint.html " is document title to be retrieved.In this example, ": 80 " partly be the port that accessed computing machine uses.Because many agreements have default port, so URL omits this part usually.Therefore in this example, if the user provides the card that contains the URL in the above-mentioned example, then TEM will search the address of domain name " brand.autobranch.com ", then, utilize the port numbers " 80 " of regulation, utilize " http " agreement that the http request is sent to this address.This request can request document " startingpoint.html ".Dynamically labeled in order to realize, the document contains the various indexing units of the mechanism that the sign that points to this URL is provided.One group of document that all relevant documents that indexing unit can obtain with first document thus and file are positioned at initial document together.

Illustrated in document RFC 1738 as Internet Engineering Task Force, although " URL " (uniform resource locator) is the generic term that is used to represent the complete benchmark of resource Network Based, those of ordinary skill in the present technique field is understood, this can also be " URI " (unified resource identifier) that REC 2396 describes, or " URN " (unified resource title) of RFC 2141 descriptions, therefore, by using this document of term " URL ", mean that these terms or similar terms describe the similar complete benchmark of resource.

Locate the embodiment of indexing unit of the present invention and other unit except depending on URL standard addressing method, obviously, knownly can easily utilize speech or other speech to substitute " URL " such as " position ", " storage source ", " pointer ", " starting point ", " benchmark ", " entrance ", can infer like this to be used to the complete benchmark visiting, retrieve, or collect the starting point benchmark of the soluble instruction of any type of machine, code or data.

Never the organizational structure that issued card in the past can find that Perfected process is, the actual regulation of URL is stored on its new subscriber card as partial information.Although on each card, have the starting point that URL can directly visit this mechanism's mark, there are several shortcomings, particularly for mechanism and the tissue of before having issued card.Also there is not URL on a large amount of existing card that the client uses now.The cost that reissues card or registration card is very high.Another shortcoming is not have widely accepted standardized address to be used to store URL on the smart card or on magnetic card, so can not point out that this card exists.In addition, with on the card magnetic stripe or the possible data of bar code surface region storage total amount relatively, URL is very big.Therefore, can use the system that is stored in the URL on the sign although can make up, for that system, this system institute in many aspects is exclusive, and has some shortcomings or deficiency for its implementation process.

On the other hand, sign contains the numeral that can be transformed to URL or Referral URL, and URL is with reference to the label information of the expectation of member mechanism.

The better method of determining the dynamically labeled starting point of TEM is that some information that utilization has existed on the common sign such as magnetic card or smart card makes this existing information relevant with starting point then, is used for dynamically labeled configuration or coupling step.

The cartoon of financial institution's distribution often almost is all to contain bank identifier number (BIN).Can keep containing the table of BIN and the URL relevant with each particular B IN.This table can be stored in the TEM itself, thereby perhaps can check this table by this table of network connected reference.When being stored in this table on the TEM, if add newcomer mechanism, perhaps change the URL of particular B IN, must upgrade the copy on each TEM sometimes.If this table is not stored on the TEM, but check, then catching response to normally used BIN on the TEM or in system in every way to improve system performance by access to netwoks.

Than the more conventional method that adopts BIN is that magnetic card is used publisher's identification number (IIN) of describing in the ISO 7812, smart card is used publisher's identification number (IIN) of describing in the ISO 7816.These standards are illustrated all magnetic cards that almost are used for issuing in the world wide and the form of many smart cards.It all is methods that unique mode is specified publisher's identification number with each publisher's identification number worldwide that these standards and the registration corresponding strategies of main body and system provide a kind of.Therefore, IIN provides a desirable key to looking into table, perhaps provides other similar mechanism to be used to make the user to provide IIN relevant with the URL of relevant arrow mark unit.

That the user can provide, can comprise that other form of the actual ID of necessary information comprises:

● bar code, on the project that appends on the key chain such as mark;

● apparatus adjacent for example, is generally used for the process of setting up of visit is controlled;

● the mark of some other form or identifier, machine readable or utilize TEM to discern.

An IIN and selectable other useful information all can be contained or represent to arbitrary in these.

The another kind of method that the user delivers to dynamically labeled system with useful examples generation information is, with other MICR coding material input TEM (" MICR " represent the black character recognition of magnetic) of the mechanism of check or expectation.This just requires TEM to have the ability that reads the machine-readable code on the check.This coding comprises bank's Route Selection number, and bank's Route Selection number is unique in Da Qu at least.Owing to might adopt this system in the world, so bank's Route Selection code may not be unique.If on user's check, be this situation for using specific Route Selection code, then this system can show the selection of all mechanisms of coupling check Route Selection code for the user on the display of TEM, and the user selected in this tabulation before concluding the business.The indexing unit subclass (for example: small size sign and tone) that can show these coupling mechanisms is selected to support this user.In most of the cases, this intermediate steps that requires the user to choose mechanism from tabulation is unnecessary, and can directly the user be introduced the open screen to mechanism's mark of expectation.Check or other MICR coding material that TEM is submitted to or return the user so perhaps remains on after waiting in the TEM processed.

The another kind of method that the necessary identification information that will be used for dynamically labeled TEM is delivered to TEM is by the mancarried device that the user has this information to be delivered to TEM.When mancarried device during, it operationally can be connected to temporarily TEM so that the identification information of pointing out the mechanism expected to be provided near TEM.

Because this mancarried device contains the intelligent card chip with identification information, perhaps, this mancarried device will block insertion in it because having own card reader and user, perhaps Qi Wang the mechanism information that will prestore is within it delivered to this mancarried device, perhaps with manual methods or other method this information is input in the mancarried device in certain time, perhaps utilize some other device that this information is input in the mancarried device, so in this mancarried device, can have identification information.

Utilize the short distance infrared ray to connect and between mancarried device and TEM, to realize that operability is connected.Now, in such as the mancarried device of handheld computer, personal digital assistant, cellular phone, pcs telephone and other wireless telephone and device, all has infrared function usually.

Utilize mancarried device be connected with short-range radio frequency between the TEM (for example " Airport " that release of AppleComputer ( ^TM) or similar 802.11 " orinoco " that release of Lucent Technologies ( ^TM) Radio Network System), perhaps utilize well-known " bluetooth " technology (" bluetooth " be Sweden Telefonaktiebolaget L M Ericsson trade mark ( ^TM)), can realize that also operability connects.

In next embodiment, TEM can carry out general web near the mancarried device being positioned at as the line inlet to be browsed.Owing to can be provided with suitably to be connected to public internet to some TEM, so when these TEM have been set up wireless device, for example: bluetooth, these TEM can support the user to utilize only needs the mancarried device of internet lines inlet to realize such as the movable and general web surfing that sends and receive Email.TEM with enough network capacitys preferentially adopts this function, so just can support other user, and can not reduce the performance that the user that uses TEM and its mechanism to conclude the business experiences.TEM preferably limit allow the process of exchange that carries out simultaneously quantity to be suitable for its network connection capacity.The payment devices of system is used for using TEM to charge as the line inlet to these users.When portable device users is connected to TEM for the first time in this way, the Route Selection of TEM or system and processing section will provide the notics of charge user of a screen with this general web of use, and a kind of method of payment will be provided before concluding the business.Method of payment can be credit card system's support, that the user has that links to each other with TEM, bank's debit card, transmit numerical value with electronic method or other method of payment.Method of payment comprises also that the user at first concludes the business with its mechanism and uses the generality that realizes by wireless access TEM to browse ability with predetermined the transmission.After finishing the web navigation process that is undertaken by TEM the user, the method for payment that the user points out in advance will be charged to this navigation process.Can also utilize Email or alternate manner, selectively provide electronics to sign for to the user this navigation process.Wish to adopt the user of this equipment can utilize this system to register usually, when the user uses this navigation process, the account of at every turn browsing is debiting to this account so that certain account quickens sign and process is set up in payment by prepaying.In the another kind of modes of payments, when hope receives this free wireless Internet visit, utilize the user to agree the advertisement of checking, can support that TEM is used as the line inlet.By configuration information on the TEM position of using the user, this system can improve advertiser's value.The advertisement that is suitable for demographic state is set in the position that TEM is set.In addition, according to the private law of locality, in the appropriate location of user's permission, this system can utilize about user's knowledge and further support the advertisement that the advertiser submits advertisement to and submits to the user to be most interested in.

According to one of the whole bag of tricks of discerning the member mechanism of expecting, the mark to this mechanism can be set.This can utilize the mechanism's identifier table relevant with the URL of label information position that makes ISO 7812 publisher's identification number forms to realize.

URL can comprise as " file " that be stored in the document benchmark in effective TEM.For example, this URL is:

file：//c：\brands\ca\examplebank\startingpoint.xml

If like this with some or all content stores in TEM, then wish to upgrade or change its content, and, can shift (initiating process at server downloads to TEM) in each TEM onto replacing content to being stored in part in the TEM when adjusting in mechanism.This can utilize communication and route system to realize.Although term URL tradition usage is adopted in this official holiday surely, but, obviously, those of ordinary skill in the present technique field can also use the undefined term URL of dynamically labeled system situation, and this URL can be as the code of initial set or any form of data or other expression at the beginning of the label information of the benchmark of instruction or pointer, TEM effect.

Similarly, initial URL can comprise " http " benchmark, at " http " benchmark, stores documents based on into TEM.Server provides content for oneself thereby this can cause TEM operation web.The method has improved the resource requirement to TEM to a certain extent, but the method can in the operating means in the modern computer based TEM, realize, and make TEM operation web server conform with the requirement of other function.

On the other hand, initial URL also comprises " http " benchmark, at " http " benchmark, with documents based on store into one of following in: the communication of the member mechanism of representative expectation and the subdivision of route system; Any server of the member mechanism of expectation that can be by access to netwoks; Can be by internal server access to netwoks, that represent the service provider of the member mechanism of expecting.It can also be that one of said apparatus is at the document of receiving that the request back produces.For example, this URL can be:

http：//examplebank.dvnamicbrand.com/startingpoint.cgi？AccountNumber＝31264&DeviceAcceptsChepues＝False

Wherein document is to produce like this, this can realize by server executable program or script, server executable program or script from inquiry get parms also/or carry out and to include (but are not limited to) produce content in interior processing procedure from database, then the marking document of standard format is delivered to TEM.

Can store the table that contains IIN and related urls into a plurality of positions in many ways, thereby and can check in many ways that this table makes system described here effective.These comprise use middleware, Lightweight Directory Access Protocol (LDAP) server or expansion or adjust dns server, provide the arbitrary of IIN of specific IIN or conversion the initial URL of corresponding mechanism can be returned according to inquiry in them.For example, look into table:

IIN	?URL
		451601	?http：//examplebank.dynamicbrand.com/startingpoint.html
552001	?http：//552001.dynamicbrand.com
		37 ****	?http：//brand.abcxinstitution.com：88
749318	?http：//brand.jioesgascompany.net：8301/start.xml

In looking into table, after being retrieved the start mark content the identifying resource, TEM can be user's show tags content.Although be used for storage and encoded content, show that there is any scheme number in this format of content then, but this content is " web content " preferably, particularly XML when needing, is maybe formatd the browser object of submitting to processing and the user is shown it it by this expression that browser is realized.The content that the Current Standard browser can format and submit to great majority to require is dynamically labeled to carry out.Current in browser also unconsummated TEM function can require other software to call out or this browser is supported in the entrance by providing, perhaps in addition, according to the off-gauge tag content of this browser being intercepted and moving.In this case, the main utilization instrument, technology and the employee that are used to set up the web site of this mechanism equally develops particular organization the mark that provides on TEM is provided.In addition, in this case, this mechanism can also reuse many indexing units of having developed.

In this scheme, can support for example to include (but are not limited to): XML, HTML, WML, gif, jpegs and applet.This mode even also support the content that the insertion program of browser is supported.This can comprise and resembles Real Audio and the Real Video that Schockwave that Macromedia Corp releases and Flash, Real Corp release, the content format of the PDF document format that Adobe Systems Inc. releases etc.

For for simplicity, as mentioned above, when using term " XML ", it can be interpreted as and comprise HTML, XML, WML, SGML or any other similar language based on " document and mark ", perhaps be interpreted as HTML, XML, WML, SGML or any other similar language based on " document and mark " arbitrary, be interpreted as all HTML when perhaps suitable, XML, WML, SGML or any other similar language based on " document and mark ", in the time of suitably, based on the language of " document and mark " comprise contain these documents can with reference to or other content type of the portable code that contains.

Between user and mechanism, the example table of the conventional transaction process of system's realization can comprise following effect thus:

● account balance and account history inquiry and report;

● check or spot assets, income receipt, append to the user account remaining sum;

● cash is withdrawn deposit, goes out the money receipt, is deducted from the user account remaining sum;

● account transfer and payment against bill of exchange between the account;

● go out the money receipt, adjust the respective account remaining sum; And

● similar transaction.

About the general application of many characteristics system, increasing as the party concerned of " mechanism ", therefore, " user " identification code also correspondingly increases the client that will conclude the business with it with the client who comprises new mechanism or old mechanism and new mechanism.Effectively type of transaction quantity also increases along with novel party concerned's increase, but along with novel party concerned's increase, creates novel transaction between user and the mechanism and creation and has introduced the novel implementation procedure of TEM ability.Therefore, mean at this, " transaction " comprises that between this user and this mechanism all are this mutual, the those of skill in the art in the present technique field and in society and commercial mutual field, have general knowledge and information personnel understood like that.

Some examples of novel " transaction " are:

● transmit loyalty point at inter partes;

● redeem other non-money value item of air mile number or commodity and service;

● submit a tender, offer and accept new contractual format, also comprise the reverse auction method;

● the online purchase catalogue;

● online fund or value account transfer and donations;

● information browse, inquiry, search for and provide;

● online advertisement or investigation;

● online telling a story;

● party concerned or the ICQ between the thing group and chat;

Or the like

This system preferably allows mechanism's defined label impression to determine that the user can not be directly visible; as can be by the more legacy system engineering of member mechanism customization; system design; system protocol; message format; and other unit of the part of data layout; for example; dynamically labeled content; the arbitrary data of the arbitrary form of member mechanism special use; the arbitrary data of the independent client of member mechanism or the arbitrary form of customers' special use all can be stored under the control of mechanism and can be from TEM; call them in the point in arbitrfary point or Route Selection and the configuration-system; perhaps under the control of the maintenance data that belong to member mechanism from any system call; perhaps further storage; retrieval or be sent to any point of these points of optional position of the combination in any of the system of being arranged in or these positions, and mechanism can determine store or transmit these data during whether and how encrypt; translation; or protection and conversion.

Mechanism allows preferably to resemble that mechanism determines, design and the system that realizes to being connected between the commission merchant of TEM and TEM and mechanism or mechanism carrying out complete control.This is default situations normally, and in this case, single mechanism adopts attached ATM.Even TEM is not attached, transaction execution system disclosed here provides this control to part body, yet importantly preserve each is participated in security and confidentiality between separation, cooperation and the mechanism of mark, control and content of mechanism's special use.

Partly because can carry out the various mechanisms of mutual potential quantity with a plurality of sexual transaction system, so many technology are arranged to be known by the those of ordinary skill in the present technique field, these technology can be used for cache marks information, perhaps can be used to improve the especially the most frequently used label information of the refresh rate of user interface of total system performance at least.

When at first reading sign, may have only the part sign can be used for identification mechanism at the interface.Can also read balance mark, and can store balance mark, can be used for the requirement identification mechanism afterwards.This can realize by several modes.URL when the mechanism that can visit expectation can send the additional messages that obtains from sign as the part to first document request.So just can carry out variable adjustment to first document and/or subsequent document that mechanism returns according to the additional data that utilizes request to send.

On the other hand, the software in the TEM can adopt the additional data that obtains from sign as variable, in the document that this variable can substitution receives, and can be used to guide the processing procedure of the document that receives.[please note: " Java " is the trade mark of Sun Microsystems Inc. to utilize JavaScript, Java Applet, vb script, " vb " is writing a Chinese character in simplified form of " Visual Basic ", it is the trade mark of Microsoft Corporation] or other this portable language or script, or these certain combination and other similar techniques, can realize this variable process process of document.This ability that the additional mark data are used for browser content can be used for: make content have characteristic by user's special use, or as the user class content; As user's impression, improve system performance; And the mode show tags of supporting mechanism to require.When using additional data like this, use some examples of this additional data to be: to represent with Preferred Language and/or dialect; Utilize specified conditions (for example: non-constant or non-existent condition), represent in the mode of supporting the user; Utilize the user identifier of name or number; The user is the indication of certain user group's a part, for example gold card club; Specific currency information is provided.

In one embodiment, TEM can catch on this machine and the high-speed cache individual subscriber is liked to improve the transactions velocity of machine at next process of exchange (nearest mark of high-speed cache and customer interaction information), and implementation procedure according to local memory and machine, can be provisional or semipermanent storage specific user's hobby or other user related information to improve transactions velocity according to User Perspective, simultaneously (this is based upon the known user behavior statistical study of those of ordinary skill the present technique field in, and user behavior statistical study suggestion ATM user adopts 2 or maximum 3 ATM to carry out great majority and concludes the business in the mark aspect of maintaining body.

When needing, also systematically carry out high-speed cache, be used for monitor system performance and manage and conspicuous other purposes of the those of ordinary skill in the present technique field in system scope IT data.

After first page of the access mechanism mark, one of first incident that mechanism will do is the checking user.Can realize this process like this, promptly mechanism believes it is the user who occurs at TEM really, but not finds the someone of its sign.In order to accomplish this point, mechanism can ask the user to import user ID and password.If there is user identification code in supposition in the additional data of sign, then simply require the user to enter password.Under bank and other financial institution's situation, in several leading step of marker transactions process, require the user that PIN (Personal Identification Number) (PIN) is provided usually, PIN (Personal Identification Number) is exactly simple short number word password.

Be in advantage of this descriptive system, if selection mechanism preferentially when carrying out user rs authentication or the process of exchange that carries out user rs authentication regularly control.Selection mechanism can be in when beginning transaction, perhaps only when the user attempts access specific information for the first time, perhaps only verifies when a certain value transaction is carried out in user's request.In addition, for transaction particular importance or great number, mechanism can limit additional information and guarantee user rs authentication itself and unlikely being rejected.For particular transaction type or high-value transactions, the TEM that mechanism can also select to require the user to use and have specific function (for example: the TEM that has equipped video camera or signature plate or biometric measurement device).

The two is encrypted to password or other Transaction Information or to them for the known multiple technologies of the those of ordinary skill in the present technique field can be used for, thereby send them by the network that links to each other with TEM, perhaps they are stored on server/router that TEM goes up or stores into TEM links to each other.Equally, can will be applied to such as the known technology that utilizes public-key cryptography and private key encryption structure the part that flows into TEM or expectation or the information that flows out from the part of TEM or expectation.The each several part of the process of exchange between user and mechanism under the control of mark mechanism, perhaps alternatively, according to the requirement of system operator, perhaps in each participant's of system cooperative process, can adopt these technology changeably.

According to rules and regulations or law, perhaps simply according to convention or the possessory requirement of TEM, perhaps simply conform with in the judicial process of mechanism or system operator requirement, can require, when mechanism wished from one of TEM dispensing or the multinomial value project that is pre-existing in (for example: currency, prepaid telephone card, traditional stamp, coin, voucher etc.), this request at first must be through the mandate of empowerment management mechanism.

Empowerment management mechanism normally is responsible for the organizational structure of record keeping, is used for following the tracks of and fill in these value projects at this specific T EM (or one group of this TEM).In the system of traditional bank ATM and white label A TM, this is commonly called the party concerned of " driving " ATM, or is called " ATM driver ".

When this TEM receives the request that the value project is provided and delivered, this TEM sends to this request the empowerment management mechanism that is responsible for this TEM.In this system, can have a plurality of empowerment management mechanism, but specific T EM preferably only has an empowerment management mechanism relevant with its dispensing function.This empowerment management mechanism may further send to this request the mechanism that must agree that final approval is provided with funds for requests transaction.Final ratifier normally keeps account's that the dispensing that will carry out is kept accounts mechanism.On behalf of final ratifier, another organizational structure also can ratify this request.A kind of this conversion approval is meant " replacement person " approval, and quits work or under the situation that can not be connected to authorized organization, can be carried out by empowerment management mechanism in authorisation network usually, or utilizes execution before had been set.Obviously, this discusses, and that gathering is remained on save that TEM provides is indoor and managed and kept accounts by TEM empowerment management mechanism, TEM empowerment management mechanism carries out similar logic transaction sequence, for example do not change user account, but append to user account number described deposit is handled according to mechanism's rule.

Empowerment management mechanism can be arbitrary in empowerment management mechanism and multiple form of finally setting up between the ratifier or mechanism to the dispensing form of final ratifier request.This form can be different from the form that TEM receives request with empowerment management mechanism, and in this case, when needing, empowerment management mechanism is responsible for different-format and method are translated.

It is different different different different because of the mechanism in the industry even because of industry to be used for the universal method of obtaining the authorization from final ratifier.For example, in banking community, utilize the derived scheme request mandate and the approval of ISO 8583 standards usually.

TEM preferably sends to empowerment management mechanism with ISO 8583 form of message with authorization requests.A kind of method is, with each field in message number, the message, field contents and the meaning of all these all with ISO 8583 conformances to standard or similarly mode (but the coding of this mode, expression and others and data layout with the document of XML conformance to standard in), transmission authorization requests and relevant response between TEM and empowerment management mechanism.Utilize http or safe http (https) agreement, or other the efficient communication agreement that can work, this document can between TEM and empowerment management mechanism, be exchanged.

If this request is authorized to, then browser is then visited a document, and if this request be rejected another document of browser access then.

As the part of its layoutprocedure, in the previous document of browser access, will be sent to TEM according to the correct document that the response of authorization requests is visited.

In addition, can accessed document have a plurality ofly, the wherein next document that will visit depends on the object code that comprises in the response to described dispensing authorization requests.In addition, the browser software on the TEM can use the interior object code of this response and other message with the form of substitution following one page to be shown, or object code and the out of Memory in this response is used to handle down one page.

If in the cycle, TEM does not receive the response to authorization requests at special time, then the software in the TEM can make browser be written into document, and wherein the URL with described document delivers to previous document.In addition, in browser, the variable of pointing out to take place this " overtime " is used for the further part of the expectation of user transaction process is controlled.

Except authorization requests, or replace authorization requests, according to rules and regulations or law or simply in some the judicial process according to convention, under some environment, the mechanism that can also expect must be the owner of TEM at least.When mechanism wishes to use TEM to conclude the business, when perhaps only wishing to comprise the process of exchange of value project (for example: currency, prepaid telephone card, traditional stamp, coin, voucher etc.) in mechanism, this situation can appear.

With start bindiny mechanism's process and roughly finish this synchronously and may require, be about to the duration of duration that described TEM is leased to the mechanism of described expectation for concluding the business with described user, and process of exchange is roughly finished this synchronously and may be required therewith, promptly stops described leasing.

On the other hand, roughly synchronous with the process that starts bindiny mechanism, sell the mechanism of described expectation with described TEM, and the process of the waiting status when turning back to this process of exchange and finish is roughly synchronous, the previous owner bought described TEM back.

Sell or rent operator the owner, sublet then or resell to mechanism or third party, and then buy operator back and buy back under the initial possessory situation from mechanism or third party, utilize agency contract or attorneyship, day to day option (power of sale and purchase right) to handle various controls and/or proprietorial transfer, perhaps utilize the effective well-known juristic mechanism of various judicial processes, can realize this arrangement.

Owing in dynamically labeled transaction execution system, have many member mechanisms and many TEM owners,, member mechanism is collected the charges preferably according to the use of client to TEM.Can follow the tracks of also and can keep accounts and charge use according to system of the present invention use.If the duration that TEM is hired out to mechanism is the process of exchange duration, then they are collected rent.

If in certain process of exchange, the TEM that purchases or resell then for example utilizes acquisition price to deduct the charge of concluding the business in described process of exchange but not " rent " expense of deducting similar quantity is calculated and bought price back.

Can in provider of system and some or all communication system operator, its house, install between the entity of TEM, the entity that has TEM, the entity of being responsible for safeguarding TEM and Route Selection and the switchgear operator to by comprise sell with buy back between the income of various charges acquisitions of difference distribute.

Can make the consumption that comprises the consumption project of the project that resembles paper, currency, coupon, general-purpose calculator, ink, toner etc. in this system keeps track TEM, and other is such as screen display time, trading volume, use according to the resource of the communication consumption of time or capacity, perhaps is used to keep accounts, check account and comprises that the resource of safeguarding purposes of predictive maintenance uses.A kind of method that realizes this tracking is, TEM follows the tracks of its operating position in each process of exchange and when process of exchange finishes this information sent to and is responsible for institutional server that using system is kept accounts.In fact, can also simultaneously this information be sent to all real interested parties concerned, they just can utilize this information oneself to regulate, check account and keep accounts and other function like this.Other these party concerned interested comprises the TEM owner, the mechanism that concludes the business, record keeping organizational structure of system, route and one of switchgear operator and TEM operator at least.In the time of suitably, can provide information subset to preserve secret of the trade and privacy of user.For example, TEM safeguards that operator is interested in the total consumption of the paper in the TEM that knows setting like this, but does not need to know that how many consumptions to which mechanism be, perhaps which user and TEM conclude the business.

On the other hand, consumption information stores other local certain time cycle in TEM or in the system periodically or according to request can also be sent to the proper client with this consumption information then.

This system can be differentially to the participant's charge or the credit of providing miscellaneous service, perhaps to using the various right of priority of TEM to distribute in a plurality of times and position.In addition, this system can also redistribute resource, perhaps can the ability of effective TEM be reconfigured, perhaps revise effectively transaction the use to resource with balanced controls and user thereof is set, in addition, can also differentially charge to its action and business according to consumption, position, time, resource use etc.

In addition, before the content that causes at mark TEM is configured, make immediately at certain special time and the position pay imformation relevant and be used for tag content (mechanism provides) with certain specific markers action, and repeat a little a plurality of of process of exchange, whenever tag content request at that time during state, comprise some indexing unit is shown, so that tag content can make the particular transaction type, data or option are only effective to the selection user at select time and position, information and the tag content discussed according to this content embed instruction, this system can also realize or help to realize best TEM of use and system, and need not the mark that limiting mechanism is realized.

This system can to provide professional and collect different expenses with the various arrangements of interests, for example (but being not limited thereto) encrypts registration to certain type transaction data, and the expense of bearing like this is just than the expense height of bearing not being encrypted and write down in transaction or data.

Please note, in the context disclosed here, " taxi ", " taxi ", " sale " and " purchase " can be understood as " entitlement ", " right of possession corporeal right " and " entitlement and the right to use " meaning legally, and can be understood as the meaning of " interim special-purpose " technically.For example, Dynamic Host Configuration Protocol server with IP address " taxi " thus this machine or the node network that provides of this IP address of special use temporarily is provided for client computer or network node.At this, this meaning is, in legal sense or at technical meaning or on these two kinds of meanings, according to agreement, acquiescence, agree, the previous arrangement, convention, associating, inference or other mechanism, can think and have or control TEM and perhaps be that " circuit " is (by be operably connected mechanism/mark/TEM) of router/switch communicator of the present invention and inking device, for example, if entitlement and control that local law in the jurisdiction scope or rules and regulations require this degree, render a service in order to make the transaction acquire full legal force and to force, allow between user and mechanism, to carry out the transaction of requirement by TEM.When sermon " taxis " or " transfers " entitlement or control, be appreciated that taxi entitlement or control and pass ownership or control can be exchanged that the meaning that will be based on context and the understanding of the interior those of ordinary skill of correlative technology field are done like this.

How the above-mentioned mancarried device that effectively links to each other with TEM that illustrated can be used as, and utilizes the information source of mechanism at the required identification information of TEM beginning label process.In further embodiment of the present invention, mancarried device can also be used to carry out partly or entirely and the real trade process of mechanism, utilize the mancarried device that adopts TEM to utilize the network connecting function of TEM, thereby can communicate with the mechanism of expectation as tie point.The user can use the input capability on the mancarried device, and normally selection is imported or indicated to one group of key or button.In the mode that is suitable for this device and according to the permission of this mechanism or requirement, the mark of member mechanism can be presented on the mancarried device.According to customer requirements and user capability, on the mancarried device or on mancarried device and TEM, can realize the transaction of all or part of marker transactions or setting.Certainly, on these devices, should handle privacy concern well to protect any user experience aspect the accessibility of information and the viewability.

The many users that have mancarried device can use TEM simultaneously by this way.In addition, these users of mancarried device can use TEM simultaneously with the user of direct use TEM.

Being supported in a kind of method of transmitting on the mancarried device is, make TEM contain one or more browsers, one of them browser access is positioned at first XML document of the relevant URL of the member mechanism of the described expectation of pointing out with portable user, and the mark of the member mechanism that arbitrary document that described document and described document point to and file all contain described expectation, and on mancarried device, show described mark for the user.

Can be the form that mancarried device is supported in every way with this content translation:

A. TEM can realize this translation or " cutting ";

B. member mechanism can provide one group of content that is suitable for the mancarried device interface;

C. member mechanism can realize this translation or " cutting "; Perhaps

D. handle with route system above-mentioned (a) business to (c) described incident that realizes can be provided.

The another kind of method of directly translating on mancarried device is, make TEM simply as network line inlet and data router, like this, in due course, can between the mechanism of mancarried device and disposal system and expectation, carry out transport layer (for example: TCP or WDP) dialogue.The 2nd TEM that itself does not have network to connect can utilize wireless device to obtain its effective connection by the TEM that another has the active block connection, thereby communicates by letter with empowerment management mechanism with member mechanism.

The next embodiment of a plurality of sexual transaction system combines with one or more loyal systems.This system can produce this loyal system Useful Information.The user can submit loyalty card or above-mentioned similar sign to, so just allows the user to utilize this system and provider of loyal system mutual, and its several purposes comprise: check its account's situation; Check transactions history; Check the each point remaining sum; Watch available prize or quotation; Ask special prize or commodity; Find out and participate in the businessman.

System described herein can utilize Customer Relationship Management Services and can produce these system's Useful Informations.This system can catch data and can make data be used for the data mining application program.With according to suitable jurisdiction and the mode consistent, these activities are restricted to necessary degree and realize these activities with each participant's agreement.

In addition, also having an expection is that this system can have the user-specific information useful to mechanism.This information can obtain from several information sources, and information source comprises one or more: the information that the history that crm system, data digging system, user use in the past, user oneself before provided (for example: the user is in the information of above-mentioned associated stations input), the information that obtains from the out of Memory source.Mechanism can use this information in the mode that allows the subtend user of mechanism content displayed to make amendment.Utilize mechanism's content to read the form of this information during with topworks's content on TEM, in TEM, use this information as variable.On the other hand, can use this information like this, promptly in process of exchange, mechanism can this information of query requests, and can this information be returned according to this inquiry.Store this information, inquire about this information and the technology type that these inquiries respond is had multiple the conspicuous form of the those of ordinary skill in the present technique field.These methods for example can be utilized (but being not limited to): LDAP, message queue, Java beans (TM Sun Microsystems Inc), various middleware or APIs.

Another embodiment of a plurality of sexual transaction system is used for advertisement usage or out of Memory purposes.Under " standby " pattern, at holding fix, when the user did not use TEM to conclude the business, TEM just was configured to that its shown content not necessarily provides by member mechanism, not necessarily provide for member mechanism, this content is not " mark " content of above-mentioned meaning yet.On the contrary, under stand-by state, can TEM be configured according to the instruction that router/switch provides, by during the TEM retrieval, can be with these instruction storage other place in TEM, router/switch or the system.For example, the configuration of this standby mode can comprise: to member mechanism or other mechanism advertise, information kiosk mode function, place/Map Services, product demonstration information, product or Service Description, restoration position inquiry and mapping response such as the goods catalogue browser, do not need user identification code or the dispensing of user account identification code coupon or other value project, sensing, inquire about other address or business, passive demonstration or show such as other content of recreation, match, questionaire or questionnaire etc. alternately.According to effective configuration activity under the standby mode, by moving dynamically labeled TEM described here system, can see there is multiple business that the TEM owner, member mechanism, router/switch provider and network provider can be shared or handle by these professional incomes that obtains.

When in client's using system of non-member mechanism during TEM, the screen under this generic pattern and other label information be not to the special use of independent mechanism, and the generic pattern can also utilize the basic sides of dynamically labeled system to improve the effectiveness of process of exchange.In an example, ATM deployer, businessman or system operator can make the user point out precedence language in effective range of choice, and this system can show all " generic " functions (not having specific markers) with the language that the user selects.In addition, when on the TEM or by some other device or when some is imported At All Other Times, the hobby that system can also recording user points out, and call these and like and adjust the TEM configuration.

System described here can be used to need not to discern the described user of mechanism of user's expectation just can be with TEM as information kiosk.This can be by being chosen in TEM " free time " screen or one of standby screen effective choice realize.When character, timeliness and the size to fit of content and or the ability of TEM when suitable, can with in the effective various information segmentings under this information kiosk pattern perhaps the traffic segment content stores in TEM, perhaps can be stored in can the server of accesses network on.When TEM is busy or when optimizing the use of TEM, it is invalid that some or all information kiosks are selected.

In next embodiment, a plurality of sexual transaction system can make the web site coupled.The purposes of this web site can comprise following one or multinomial:

● (this can be provided with further user identifier ability (for example: signature plate, the video camera of catching user images, biometrics ID ability) TEM finishes) to the user according to purposes with oneself being registered to web site and related system thereof;

● the user checks and is printed on the previous transaction that intrasystem TEM carries out;

● when the user used TEM as this system's part, the user was provided with also change user preferences;

● the user is provided with certain restriction to their information or its purposes;

● the user seeks the position of public access TEM, comprises utilizing the user to wish certain capabilities (for example sign plate or the save chamber) position location of using;

● the user sets up transaction, include but are not limited to:, buying, wholesale account transfer, service cancellation, service log-on when the TEM in suitably configuration shows the mandate security classification of particular transaction type requirement, all require the user to finish by after they are authorized.

In the next embodiment of this system, portable TEM can be used to set up the transaction of finishing at another TEM with stronger ability a little later.For example, when they used the TEM that does not have dispensing cash or the storage of reception actual items, the user can ask to receive cash or stored items.Can be like this for the user provide receipt or code or other method, promptly the user uses and has really after the TEM that carries out necessary cash distribution capacity or storage capacity, and the user can utilize this receipt or code or other method to receive cash or finish this transaction.Why require the user to be at another example that the TEM with additional capabilities finishes transaction, only for example by catch user images, place the form printed then in TEM signature, on the signature plate input signature, utilize certain biological statistical method checking user or utilize other method validation user, when the additional identification method was provided, mechanism wished the process of closing the trade.

With reference to figure 1, dynamically labeled transaction execution system 8 comprises a plurality of transaction execution machines, and transaction execution machine is at the following TEM 10 that is called for short, and it links to each other with route system 12 with processing.Switching system 12 makes TEM 10 and 14 interconnection of a plurality of member mechanism, and member mechanism includes but are not limited to:: such as bank, broker's financial institution, and such as the businessman's tissue and the non-financial institution of wholesale shop separately thereof.TEM 10 can use database 13 to store the information of dynamically labeled and other requirement.On the other hand, router one 2 can also be visited the database 13a that has stored label information.Yet this depends on the stand-by period and the bandwidth of the link that is connected to TEM 10.

TEM 10 shown in Figure 2 comprises identity device 16 (preferably card reader), user interface 18 and material apparatus 20, material apparatus 20 is delivered to material client's (not shown) respectively and is optionally received material from client's (not shown), for example (but being not limited to): cash is withdrawn deposit and deposit, check, coupon card or stored value card, require a plurality of transaction of physical medium or memory storage near system 8, product information and advertisement, additional other transaction arbitrarily reaches the maximum tolerance level of member mechanism technology and ability with communicating by letter, and the balance of system 8 finally links to each other with member mechanism 14.A plurality of transaction needn't comprise the transmission of physical entity, for example, money can be changed in the stored value card.Data memory module 15 can be used to keep the site transaction record and can be used to store the identification code and/or the function of the user interface 18 (being dynamically labeled unit) of member mechanism 14 definition.

The user interface 18 of preferred embodiment shown in Figure 3 is used for transmitting the information that requires between any one member mechanism of client who uses TEM 10 and shared transaction execution system 8.The different communication form comprises: the combination of the various user input apparatus of display 22 and keypad, touch pad 24 or touch-screen or the selection that is used for input digit information, nonnumerical information and Show Options known in the art, be included in TEM user biological statistical measures and to the effective user biological statistical measures of TEM interior.In addition, if desired, can also comprise audion system 26, video system 28 with and/or keyboard 30.User interface 18 helps to utilize in any preset time identification code and or the next dynamically labeled TEM 10 of function by member mechanism 14 or other enterprise defining.Can use a plurality of displays in TEM 10, ATM is similar with conventional accessory, and its some display can be exclusively used in and show static sign.

In the operational process of transaction execution system 8, at first discern the mechanism of user expectation according to the identification information that utilizes identity device 16 to obtain from the user, if identity device 16 is card readers, then insert the mechanism that realizes discerning user expectation in the identity device 16 by blocking.TEM10 utilizes identification information to be connected to member mechanism 14 by switching system 12.Then,, user interface 18 is made amendment, so that in the client trading process, the behavior of TEM 10 belongs to member mechanism 14 as it according to the identification code and/or the function that send to dynamically labeled full-service exchange.The TEM 10 of mark is preferably the full-service that its client provides this mechanism to require.In case the client finishes a process of exchange, then TEM 10 can change standby mode over to, or waiting status, and prepares and another client carries out alternately.If desired, during this standby mode, identifier is being provided or is being identified, identifier perhaps is not provided or is being identified under the situation, the user can be with TEM 10 as information kiosk.

During its client used TEM 10, behavior (or function) and the expression of 14 couples of TEM 10 of member mechanism of selection were possessed of control power.This can utilize system 8 to realize, perhaps the function of the expectation by the member mechanism 14 that representative selects is provided realizes, during mutual, system 8 can provide full function link between the selection member mechanism 14 of the information that customer in response provides and TEM 10.According to above-mentioned global function, it depends on that participating in member mechanism 14 is all effective capacities that selection utilizes specific T EM 10 to provide, and still selects its smaller subset.

In next embodiment shown in Figure 4, a plurality of external device (ED)s 30 can link to each other with executive system 8.External device (ED) 30 can include (but are not limited to): such as portable TEM, laptop computer device or personal computer device, the third party transaction system etc. of cellular phone.If external device (ED) is TEM 10, then whole dynamically labeled character of external device (ED) 30, and the possible type of transaction of carrying out thereon and quantity only are subject to the ability of the user interface 18 of this external device (ED) 30.Preferably utilize modulator-demodular unit, wireless connections to wait to realize and be connected 32 between external device (ED) 30 and the system 12.Can also by internet, dedicated network, by many network of relations or arbitrarily other communicator, maybe can realize requiring combination of each device that data transmit, realize connecting 32.This embodiment allows the user to control under member mechanism 14 instructs from the position of customer selecting and a plurality of transaction are carried out at the interface of mark.

In another embodiment shown in Figure 5, executive system 8 contains TEM 10, and TEM 10 is connected to a plurality of traditional financial trade networks 32 by router one 2.Network 32 and device 30 are connected to the 14A of member financial institution again.This arrangement helps executive system 8 to be connected to network 32 that existed or newly-established, but not is directly connected to the 14A of separate member mechanism, thereby carries out dynamically labeled transaction with the 14A of this financial institution that selects quantity on TEM 10.

In next embodiment shown in Figure 6, route and disposal system 12 are operably connected to the 14A of member mechanism, 14B and 14C with TEM 10A, TEM 10B, TEM 10C, TEM 10D and TEM 10E.Utilize network 40 that TEM 10A, TEM 10B, TEM10C are connected to route and disposal system 12.In addition, TEM 10D is disposing on the different networks 45 with TEM 10E, and preferably is connected to same route and disposal system 12.By the 3rd network 50, route and disposal system 12 further are connected to the 14A of member mechanism and 14B and are connected to the 14C of member mechanism by the 4th network 55.Route and disposal system 12 can be carried out Route Selection, and when needed, can be (for example at network 40, wireless network based on WAP) concludes the business between the 14A of member mechanism, 14B on the TEM 10A on, TEM 10B and TEM 10C and the network 50 (for example, IP-based internet) and the 14C.Should be noted that when needing, in system 8, can use a plurality of router ones 2.

In independent example, Fig. 6 can also be used for explanation equally, if network 45 is based on the network of IP, and network 50 also is based on the network of IP, be that each network all is networks of same type, then only need the data stream between a TEM 10E and 14B of member mechanism is carried out Route Selection and be need not to translate.If containing, database 13A makes mechanism's identifier and the relevant table of member mechanism mark steady arm as URL, then TEM 10E can deliver to route and disposal system 12 with these data with the form of request, route and disposal system 12 utilize the mark URL of the 14B of member mechanism to respond, and it can be positioned at the same member 14B of mechanism.Then the dialogue between 10E and the 14B is handled,, only used 12 packet-based routing capability wherein at session.Yet, if same TEM 10E begins to talk with the 14C of member mechanism, the 14C of member mechanism can only utilize networks of different type 55 to conclude the business, for example, can only in system of traditional financial group, conclude the business by network utilisation ISO 8583 message X.25, the mark of route and the 14C of 12 pairs of member mechanisms of disposal system is handled, and below be dialog procedure.The request that TEM 10E will contain the identifier of the 14C of member mechanism sends to Route Selection and disposal system 12.Route and disposal system 12 utilize URL to respond, and in this example, URL is positioned at the storer of router one 2 as the mark of the 14C of member mechanism.Then, TEM 10E begins to engage in the dialogue with router one 2, and when needed, router one 2 is converted to ISO 8583 with transaction request, utilizes then X.25 by network 55 they to be sent to the 14C of mechanism.Utilize TCP/IP, system 12 is translated as XML by network 55 responses that receive, that the 14C of member mechanism sends, send to TEM10E by network 45 then.

, carry out alternately thereby on TEM 10, must exist input media to import therewith content for the user for thereby the tag content that provides of mechanism 14 of moving TEM 10 and expectation combines.Because many TEM 10 do not have complete keyboard and not such as the indicator of mouse, so attachment device should be set.Most of TEM 10 have certain numeric keypad.Can utilize software to be implemented on this keypad and import, for the browser of operation in the TEM 10, as on conventional keyboard, importing.Equally,, on the touch-screen of TEM 10, touch also and can realize,, utilize mouse to click in this position as the user for browser by software if having touch-screen.

If TEM 10 does not have numeric keypad, but has touch-screen 22, then keypad image or complete keyboard image can be presented on the touch-screen 22 changeably, and if desired, the user can membrane keyboard or button image with software approach correct key code is sent to browser, as on the conventional keypad of multi-purpose computer or keyboard, importing.

Many TEM 10, particularly ATM, cash dispensing device and other bank machine also are provided with other actual button support and conclude the business.Usually, the purposes of these buttons is unfixing, but its position but is fixed on along the side of TEM 10 displays 22, utilizes figure or text on the display 22 to point out its variable purposes, in whole user transaction process, figure and text are all with the variable variation of interlock mode.This system 8 provides a kind of each step at process of exchange, makes the relevant method of this button of URL and each.When the user presses actual button, just use related urls, URL is just as if to be used for the link of near show the button that the user selects relational graph or text the same, carries out click or touch on touch-screen 22 carrying out this and selecting as the user.

Preferably make URL relevant with actual button.Actual button is relevant with URL and use with tag content.Rather similarly be that as shown in Figure 7, mechanism preferably uses the viewing area of TEM 10 to simulate the interface of specific device.An example is, utilizes modern TEM 10 to simulate old-fashioned TEM 10, for example, simulates the actual button of old-fashioned ATM and both sides thereof.Complete TEM10 contains touch-screen display 22.The part of display 22 constitutes virtual monitor 120, and the remainder of display 22 is as surface 130.Have side push 140 on surface 130, side push 140 is simulations of the button on the actual device that simulated.The content and the label information that in virtual monitor 120, show selection mechanism.On surface 130 is that the physical features that simulated device is represented, for example button 140.Instruction in mechanism's mark can stipulate that what URL will be relevant with the given zone on the surface 130.For its related urls, this instruction can be stipulated the given zone of any amount.When the given zone of touch-surface 130, will handle the document of related urls, thereby transaction flow will be controlled.Can use particular surface 130 midway when the instruction in selection mechanism 14 marks can be defined in process of exchange and begins or at process of exchange.Equally, instruction can also broken surface 130, so that the content of whole display 22 selected mechanisms 14 is occupied.The method allows member mechanism 14 to use on modern touch panel device same content to the old-fashioned device development of utilizing actual button.

In next embodiment, as shown in Figure 5, executive system 8 links to each other with one or more empowerment management mechanism 31.Each empowerment management mechanism is in charge of the value project in one or more TEM 10 respectively.Usually utilize empowerment management mechanism 31 manage in the given TEM 10 given type project (for example: cash).The connection of utilization from empowerment management mechanism 31 to associated mechanisms perhaps utilizes being connected of system router 12 and all each parties concerned, and TEM 10 can receive the Trading Authorization that relates to the value project.

Tag content in the TEM 10 is sent from the transaction request of TEM 10 dispensing value projects.TEM 10 determines that this transaction request is authorized to management organization's 31 approvals.TEM 10 sets up message and this message is sent to system router 12 according to transaction request.System router 12 determines which empowerment management mechanism 31 is responsible for this specific T of approval EM 10 and carries out the transaction of the type.When needing, system router 2 is the form that is suitable for empowerment management mechanism 31 with this message translation, then this message is sent to empowerment management mechanism 31.Empowerment management mechanism 31 determines to authorize which mechanism 14 to be concluded the business.

It is connected directly or indirectly that empowerment management mechanism 31 and the 14A of mechanism have, and when needing, empowerment management mechanism 31 can be translated as this request message and/or the form that is suitable for the 14A of mechanism, then this request is sent to the 14A of mechanism.The 14A of mechanism determines to receive this request and this request is made amendment, and still refuses this request.The 14A of mechanism beams back empowerment management mechanism 31 with response.When needing, empowerment management mechanism translates this response and will receive, have the reception or the refusal transaction of modification, and response is sent to system router 12.When needing, system router 12 these responses of translation send to TEM 10 with this response then.

In another example, as shown in Figure 5, the instruction in the tag content in the TEM 10 can be sent the transaction request by TEM 10 dispensing value projects.TEM 10 determines the transaction request of empowerment management mechanism 31 approvals.TEM 10 sets up message according to transaction request, and this message is sent to system router 12.System router 12 determines which empowerment management mechanism 31 is responsible for approval and carries out such transaction by this specific T EM 10.When needing, system router 12 is the form that is suitable for empowerment management mechanism 31 with this message translation, then this message is sent to empowerment management mechanism 31.Which mechanism empowerment management mechanism 31 determines to authorize is concluded the business.

When needing, empowerment management mechanism 31 is translated as message and/or the form that is suitable for system router 12 with this request, then this request is sent to the system router 12 of directing mechanism 14A.When needing, system router 12 is translated as this request and is suitable for message and/or form a plurality of and one of direct or indirect financial transaction network 32 that links to each other of the 14A of mechanism that expects.Trade network 32 is routed to the 14A of mechanism with this request.The 14A of mechanism determines to receive, revise this request, still refuses this request.The 14A of mechanism beams back financial transaction network 32 with this request.Financial transaction network 32 sends to this response the system router 12 that points to empowerment management mechanism 31.When needing, system router 12 is translated as this response message and/or the form that is suitable for empowerment management mechanism 31.When needing, this responds 31 translations of empowerment management mechanism, also also will receive, have the reception of modification or refuses this translation, response is sent to the system router that points to initial TEM 10.When needing, system router 12 these responses of translation send to TEM10 with this response then.This alternative provides the multiple method that is connected between a kind of many or whole empowerment management mechanism 31 and a plurality of financial transaction network 32 and mechanism 14 that reduces or eliminates in a plurality of empowerment management mechanism 31.

In next embodiment, such as the virtual bank that does not have traditional brick dust building and or the virtual mechanism of virtual commercial undertaking use dynamically labeled transaction execution system 8.The a plurality of TEM 10 that so just allow virtual mechanism in fact to have to be provided by system 8 are to satisfy the requirement of independent virtual mechanism.

Can adjust to satisfy client's needs the design and the behavior of user interface 18.This can utilize mechanism 14 or also utilize route system 12 or utilize TEM 10 to realize.Except the adjustment process that member mechanism 14 provides, system 8 also provides adjustment process for the general user.For example, this spare system adjustment process comprises: if system 8 is to providing information about system 8 itself or its member mechanism as the client of any member mechanism 14 the also ignorant any personage of this step.

The route system 12 that TEM 10 and member mechanism 14 are interconnected is supported several entitlement patterns that rules and regulations require that satisfy in the limited jurisdiction scope.The entitlement pattern of supporting comprises (only as an example):

A. the automatic TEM 10 of the quantity of Xuan Zeing returns operator to own, and based on contract member mechanism 14 can use it by service time and/or by the paying of concluding the business at every turn;

When b. idle, the automatic TEM 10 of the quantity of selection returns operator to own, and prepares to sell member mechanism 14 with it when TEM 10 concludes the business its client of identification.Then, with client's closing the transaction the time, again TEM 10 is sold go back to operator;

When c. idle, the automatic TEM 10 of the quantity of selection returns operator to own, and prepares when TEM 10 concludes the business its client of identification, its is hired out give member mechanism 14.Then, with this client's closing the transaction the time, finish to hire out; And

D. the automatic TEM 10 of the quantity of Xuan Zeing return the third party all, and in above-mentioned 2 and 3 entitlement patterns,, perhaps sell or hire out to operator or member mechanism 14 at trading time period.

All above-mentioned examples all belong to can more general entitlement pattern, service is provided and has interim entitlement thereby utilize contract to conduct interviews.

Should note, a benefit of the present invention is, member mechanism 14 can make the large-scale shared network visit full-service TEM 10 of client by dynamically labeled TEM 10, can keep simultaneously each member mechanism 14 to the transaction of its client and system 8 control, mark and the ability of benefit thus.Except financial transaction, system 8 can also be used for the process of exchange of other type, comprises distribution loyal coupon, product information and collects loyal data or other market cross-selling purposes or commercial use.When needing, this customer data that special member mechanism 14 or route system 12 are collected can be shared with other member mechanism 14 or other mechanism.

Although describe the present invention with reference to some specific embodiment, obviously, in the described essential scope of the present invention of claims, the those of ordinary skill in the present technique field can also carry out multiple improvement to it.

Claims (230)

1. method that is used for dynamically labeled TEM, described method comprises step:

A. described TEM start the user and the selection mechanism from a plurality of mechanisms, selected between transaction, described selection mechanism comprises the predetermined labels unit;

B. the identification information that provides according to described user is connected to described selection mechanism with described TEM; And

C. according to described predetermined labels unit described TEM is configured, thereby utilizes the identification code and the dynamically labeled described TEM of function of described selection mechanism.

2. method that is used for dynamically labeled TEM, described method comprises step:

A. make TEM keep idle condition or waiting status;

B. the user provides information to start process of exchange to described TEM;

C. according to described information, operationally described TEM is connected to selection mechanism, described selection mechanism comprises the predetermined labels unit;

D. utilize the described TEM of described predetermined labels configuration of cells that is suitable for described TEM ability;

E. allow described user and described selection mechanism to conclude the business; And

F. after finishing described process of exchange, make described TEM return its idle condition or waiting status.

3. method according to claim 1 uses this method to use the mark of this mechanism by TEM when the final user provides dynamically labeled process of exchange in mechanism.

4. method according to claim 2 uses this method to use the mark of this mechanism by TEM when the final user provides dynamically labeled process of exchange in mechanism.

5. according to claim 2 and 4 described methods, this method comprises that further the software that utilizes described TEM determines the step of the information source of described predetermined labels unit, and TEM can be sent to described user with described predetermined labels unit.

6. method according to claim 5 is wherein determined the described step of described information source between step b and step c.

7. according to claim 2 and 4 described methods, this method comprises that further the software that utilizes described TEM determines the step of the URL of described selection mechanism, and utilize described software retrieval to be positioned at first document of described URL, wherein said document contains described predetermined labels unit.

8. method according to claim 6, wherein said document contain other the more documents of mechanism's indexing unit of the expectation that contains the ability that is suitable for described TEM together or the benchmark of file.

According to claim 1 to the described method of 6A, wherein the sign that described TEM submits to is determined described selection mechanism with reference to described user.

10. method according to claim 7, wherein said sign are the parts that described TEM is submitted to.

11. method according to claim 8, wherein said sign are the parts to the magnetic stripe of the described card of described TEM submission.

12. method according to claim 8, wherein said sign are the parts to the storer of the described smart card of described TEM submission.

13. according to the described method of claim 1 to 10, wherein the described sign of part is used to search the URL as described predetermined labels regulator.

14. according to the described method of claim 1 to 11, wherein publisher's identification number (IIN) is used to search the starting point as described predetermined labels regulator.

15., wherein provide publisher's identification number (IIN) as the part of described sign to be used to search URL as the benchmark of the described predetermined labels unit of the mechanism of expectation according to the described method of claim 1 to 10.

16., wherein provide bank identifier number (BIN) as the part of described sign to be used to search URL as the benchmark of described predetermined labels unit according to the described method of claim 1 to 10.

17. according to the described method of claim 1 to 10, wherein said sign contains the URL as the benchmark of described predetermined labels unit.

18. according to the described method of claim 1 to 15, wherein TEM is ATM.

19. according to the described method of claim 1 to 15, wherein TEM is the pavilion.

20. method according to claim 17 wherein is provided with card reader for described pavilion.

21. according to claim 1 to 7 and 13 to 18 described methods, this method further comprises mancarried device is operably connected to the step that described TEM is used to provide described identification information or described sign.

22. method according to claim 19 is wherein utilized described mancarried device to be connected with infrared ray between the described TEM to provide and being operatively connected of described mancarried device.

23. method according to claim 19, wherein utilizing described mancarried device to be connected with short-range radio frequency between the described TEM provides and can be operatively connected.

24. according to the described method of claim 19 to 21, wherein from comprising: select described mancarried device personal digital assistant, stored value card, laptop computer, handheld computer and the wireless telephonic table.

25. according to the described method of claim 19 to 22, wherein said user utilizes described mancarried device to carry out described process of exchange by TEM and described selection mechanism.

26. method according to claim 23, wherein said user utilizes described mancarried device to carry out the described process of exchange of part by described TEM, and described mancarried device is sent to described user with described predetermined labels unit.

27. according to the described method of claim 19 to 24, wherein said TEM is ATM.

28. according to the described method of claim 19 to 24, wherein said TEM is the pavilion.

29. according to the described method of claim 1 to 22, wherein said TEM comprises the software that is used for showing to described user described predetermined labels unit.

30. method according to claim 27, wherein said software comprises software and browser.

31. according to the described method of claim 1 to 26, wherein said TEM comprises the browser that is used to visit first XML document that is positioned at the URL relevant with described selection mechanism, and described first XML document comprises described predetermined labels unit.

32. method according to claim 28, the content of wherein said first XML document comprise that sensing contains the pointer of other document of described predetermined labels unit together.

33. method according to claim 28 wherein utilizes described browser to show described predetermined labels unit to described user.

34. according to claim 23 and 24 described methods, wherein said TEM contains a browser at least, and a browser access is positioned at first XML document of the URL relevant with the member mechanism of described expectation, and the mark of the member mechanism that arbitrary document that described document and described document point to and file all contain described expectation shows described mark for the user on described mancarried device.

35. according to claim 28,28A, 29 and 30 described methods, wherein said first XML document and can obtain by described first document, comprise the instruction that is used to move described TEM in the inside of the accessed any subsequent document of described process of exchange.

36. method according to claim 31, the wherein instruction of the described TEM facility of selection operation from the tabulation that comprises following function: type information on the printer of described TEM; Print and optionally comprise the coupon of permission from the device of its redemption process of motion tracking; Dynamic print is worth project, for example: tickets for competition, negotiable instrument, banker's bill or check, internet postage, shipping ticket, the deed of gift, lottery ticket, scrip or receipt; The existing value project of request dispensing, for example: currency, prepaid telephone card, traditional stamp, coin, voucher, the prior printed deed of gift, scrip; Request dispensing tag card, licence or license; The paper project that reception enters in the TEM that the save chamber is set comprises: form, application form, negotiable project and currency; Catch user's signature; Catch user's photo or video image or visual image; Document with optical means or magnetism method scanning user submission; The value project that comprises check with optical means or magnetism method scanning user submission; The project of previous scanning is carried out identification of magnetic China ink or optical characteristics identification.

37. method according to claim 31, wherein said instruction comprise that the TEM that asks suitable function is from comprising: select the request of the one or more existing value projects of dispensing the group of currency, prepaid telephone card, traditional stamp, coin, scrip and voucher.

38. method according to claim 33, wherein said TEM sends to described dispensing request the empowerment management mechanism that is responsible for described TEM.

39. method according to claim 34, wherein the form of the described authorization requests that is sent by described TEM is ISO 8583 form of message.

40. method according to claim 34, the form of the described authorization requests that wherein said TEM sends is the XML document form.

41. method according to claim 34, wherein roughly send described authorization requests with the form of ISO 8583 conformances to standard with the field in message number, the message, field contents and the meaning of all these, but coding, expression and the others of data mode and form with the roughly consistent document of XML standard in.

42. method according to claim 34, wherein the form of the described authorization requests of TEM transmission is from comprising: the traditional ATM that selects the group of the simulation of Diebold 911, Diebold 912, Diebold 911, the simulation of Diebold 912, NCR native, Triton, Triton simulation and NDC+ starts protocol form.

43. according to the described method of claim 38, wherein the described traditional ATM that uses between described TEM and described empowerment management mechanism drives agreement for from comprising: the traditional ATM that selects the group of the simulation of Diebold 911, Diebold 912, Diebold 911, the simulation of Diebold 912, NCR native, Triton, Triton simulation and NDC+ starts protocol form.

44. according to claim 38 and 39 described methods, wherein send described legacy protocol message with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard, but to transmit described legacy protocol message with the document form of XML conformance to standard.

45. according to claim 38,39 and 40 described methods, wherein send described legacy protocol message, but utilize one or more http or the described legacy protocol message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

46. method according to claim 35, wherein send described ISO 8583 message, but utilize one or more http or described ISO 8583 message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

47. according to the described method of claim 34 to 42, if wherein described request is authorized to, then the browser on the TEM is then visited a document.

48. according to the described method of claim 34 to 42, if wherein described request is rejected, another document of the browser access on the TEM then.

49., wherein in the previous document of described browser access, will be sent to TEM according to the correct document that the response of described authorization requests is visited according to the described method of claim 43.

50. according to the described method of claim 43, wherein exist can be accessed a plurality of documents, and visit which document and depend on the object code in the described response of described dispensing authorization requests.

51. according to the described method of claim 34 to 45, if wherein in due course between in the cycle or in the predetermined time cycle, described TEM can not receive the response of described authorization requests, and then the software in the TEM makes browser document is loaded in the place that the URL of described document is provided in the previous document.

52. method according to claim 2, wherein behind setting up procedure b, described TEM is hired out the duration that mechanism and user to described expectation conclude the business, and with to return waiting status at step f roughly synchronous, described taxi expiration.

53. method according to claim 2 wherein behind setting up procedure b, is sold the mechanism of described expectation with described TEM, and with to return waiting status at step f roughly synchronous, the previous owner bought described TEM back.

54., wherein buy price back and equal the workmen's compensation that acquisition price deducts the value of concluding the business at described trading time period according to the described method of claim 48.

55., wherein the described mechanism of renting described TEM is collected the charges according to the described method of claim 47.

56. according to the described method of claim 50, wherein to from comprising: be provided with in communication system operator, its house described TEM entity, have described TEM entity, the entity of switch and route device is provided and is responsible for safeguarding that the entity of selecting the group of entity of described TEM distributes described rent.

57. according to the described method of above-mentioned each claim, wherein said TEM is from comprising: the device that the TV that smart phone, computing machine, point of sale device, cash dispensing device, the ATM based on script, interactive television, web realize, visual bank machine, videophone and networking station, public internet are selected.

58. according to the described method of claim 1 to 52, wherein to from comprising: select the group of paper, currency, coupon, ink, toner, follow the tracks of at the consumption of the project of described TEM internal consumption, thereby correctly keep accounts, check account and safeguard.

59., wherein the resource consumption that is provided with in system is followed the tracks of, thereby is correctly kept accounts, checks account and safeguard according to the described method of claim 53.

60. method according to claim 2 wherein utilizes the software in the described TEM to determine the URL of the mechanism of expectation, and utilizes the described software retrieval of described TEM to be positioned at first document of described URL, wherein said document contains the described mark of the mechanism of expectation.

61. according to the described method of claim 54, wherein said first document provides pointer and the file to other document, pointer and file contain the mark of the mechanism of expectation together.

62. according to the described method of claim 54, wherein from comprising: select the Doctype of retrieval like this group of HTML, XML, WAP Markup Language and SGML.

63. according to claim 54 and 55 described methods, wherein said URL is as " file " of the benchmark that is stored in the document in the described TEM (file: //).

64. according to claim 54 and 55 described methods, wherein said URL is the http benchmark, and described documents based on is stored in the described TEM.

65. according to claim 54 and 55 described methods, wherein said URL is the http benchmark, and described documents based on is stored into from comprising: a position of selecting the service provider's of the accessible services device of the communication system of the member mechanism of representative expectation, the member mechanism of expectation, the member mechanism of representative expectation the sets of memory locations.

66., wherein produce described documents based on according to request according to the described method of claim 58.

67. method according to claim 2, wherein said identification information are described user's biometric measurement values.

68. a transaction execution system, this transaction execution system comprises:

A.TEM is used to simplify the process of exchange between user and the selection mechanism, and described selection mechanism comprises the predetermined labels unit;

B. communication system responds the information that described user provides, and is used for described TEM is operably connected to described selection mechanism; And

C. configuration-system is used for according to described predetermined labels information described TEM being configured, thereby utilizes the identification code and the dynamically labeled described TEM of function of described selection mechanism.

69. a dynamically labeled transaction execution system, this dynamically labeled transaction execution system comprises:

A. many member mechanisms, each the member mechanism in the described a plurality of member mechanism comprises the predetermined labels unit;

B. at least one shared TEM; And

C. at least one route and disposal system are used for one of described a plurality of member mechanism to selecting and the information between the described shared TEM and connect and this information is handled;

Wherein so described shared TEM is configured, promptly when the client when described shared TEM provides information, one of a plurality of member mechanism of described selection controls described shared TEM, and utilizes described predetermined labels unit that described shared TEM is carried out mark and utilize the identification code that described selection mechanism determines and the dynamically labeled TEM of functional label to provide.

70., use this system when the final user provides dynamically labeled process of exchange, to use the mark of this mechanism in mechanism according to the described system of claim 60.

71., use this system when the final user provides dynamically labeled process of exchange, to use the mark of this mechanism in mechanism according to the described system of claim 61.

72., use this system when the final user provides dynamically labeled process of exchange, to use the mark of this mechanism in mechanism according to claim 60 and 61 described systems.

73., wherein provide the user overview relevant with described selection mechanism for described user according to claim 60 and 61 described executive systems.

74. according to claim 60 and 61 described executive systems, wherein said predetermined labels unit is positioned at the memory address of described intrasystem expectation.

75. according to the executive system that claim 60 and 61 defines respectively, wherein said TEM receives described predetermined labels unit from described selection mechanism according to transaction in process of exchange.

76., wherein utilize described communication system to comprise described predetermined labels unit according to claim 60 and 61 described executive systems.

77. according to claim 60 and 61 described executive systems, wherein according to transaction, partly Cache or the storer from described TEM receives, partly receives described predetermined labels unit from described mechanism in process of exchange.

78.,, in process of exchange, also partly receive described label information from described TEM reception from storer on described Communications System Segment ground wherein according to transaction according to claim 60 and 61 described executive systems.

79.,, in process of exchange, receive described predetermined labels unit and receive remainder from described TEM and described communication system from described selection mechanism wherein partly according to transaction according to claim 60 and 61 described executive systems.

80., wherein in user transaction process, utilize described predetermined labels unit that described TEM is configured and when described process of exchange finishes, described TEM be returned to first and dispose according to the described executive system of claim 60 to 71.

81. according to the described executive system of claim 60 to 71, wherein said TEM comprises the user identification system that is used for discerning automatically described user.

82., wherein determine the mechanism of expectation by the sign on the card of submitting to reference to the user according to the system that claim 60 to 72 defines respectively.

83., wherein determine the mechanism of expectation by the sign on the magnetic stripe on the card of submitting to reference to the user according to any system that claim 74 provides.

84., wherein determine the mechanism of expectation by the sign in the storer on the smart card of submitting to reference to the user according to any system of claim 74 definition.

85. according to any system of claim 74 definition, wherein the described sign of part is the expression as the URL of the benchmark of described label information.

86. according to the system of claim 74 definition, wherein the described sign of part is used to search the URL as the benchmark of mechanism's mark of expecting.

87. according to the system of claim 74 definition, wherein publisher's identification number that sign is gone up or sign is interior is used to search and the relevant URL of mechanism's mark that expects.

88. according to the system of claim 74 definition, wherein sign go up or sign in bank identifier number be used to search and the relevant URL of mechanism's mark that expects.

89. according to the system of claim 74 definition, wherein said sign contains the relevant URL of mark with the mechanism of the expectation that this sign is provided.

90. according to the system of claim 74 definition, wherein said sign contains can be processed to be the numeral that URL or expression become URL, URL is with reference to described label information.

91. according to the system of claim 74 to 82 definition, some of them TEM or whole TEM are ATM.

92. according to the system of claim 74 to 82 definition, some of them TEM or whole TEM are the pavilions.

93. the systems of 4 definition according to Claim 8, some of them TEM or all TEM be pavilion with card reader.

94. according to the system of claim 74 definition, being used to of wherein user being provided indicate described expectation mechanism message stores to when the close TEM and TEM operationally link together with in the mancarried device that described member mechanism identifier is provided temporarily.

95. the systems of 6 definition according to Claim 8, wherein utilizing mancarried device to be connected with infrared ray between the TEM provides and can be operatively connected.

96. the systems of 6 definition according to Claim 8, wherein utilizing mancarried device to be connected with short-range radio frequency between the TEM provides and can be operatively connected.

97. according to Claim 86 to 88 the definition systems, wherein said mancarried device is: one of personal digital assistant, stored value card, laptop computer, handheld computer and wireless telephone.

98. 6 to 89 system according to Claim 8, wherein the user utilizes mancarried device to carry out part or all of described process of exchange by the member mechanism of TEM and expectation.

99., wherein in the possible range of mancarried device, the mark of described member mechanism is shown to described mancarried device according to the system of claim 90 definition.

100. 6 to 91 systems that provide according to Claim 8, some of them or all TEM be ATM.

101. 6 to 91 systems that provide according to Claim 8, some of them or all TEM be the pavilion.

102. according to the system that claim 60 to 93 provides, wherein TEM contains browser, and this browser is used to show the mark of the member mechanism of expectation.

103. the system that provides according to claim 60 to 93, wherein TEM contains browser, and this browser access is positioned at first XML document of the URL relevant with the member mechanism of described expectation, and the mark of the arbitrary document of described document and the sensing of described document and the member mechanism that file contains described expectation.

104. the system that provides respectively according to claim 60 to 93, wherein TEM contains browser, and this browser access is positioned at first XML document of the URL relevant with the member mechanism of described expectation, and the mark of the member mechanism that arbitrary document that described document and described document point to and file contain described expectation utilizes described browser to show described mark to described user.

105. according to the described system of claim 90 to 93, wherein TEM contains one or more browsers, and a browser access is positioned at first XML document of the URL relevant with the member mechanism of described expectation, and the mark of the member mechanism that arbitrary document that described document and described document point to and file contain described expectation shows described mark for described user on user's described mancarried device.

106. according to the described system of claim 94 to 97, wherein said first document and/or can obtain by described first document, contain the instruction that is useful on operation TEM in the inside of the accessed subsequent document of described process of exchange.

107., wherein help to realize one or more following functions: type information on the printer in TEM in the described instruction of carrying out being used in the process of exchange moving TEM with the user according to the described system of claim 98; Print and optionally comprise the coupon of permission from the device of its redemption process of motion tracking; Dynamic print is worth project, for example: tickets for competition, negotiable instrument, banker's bill or check, internet postage, shipping ticket, the deed of gift, lottery ticket, scrip or receipt; The existing value project of request dispensing, for example: currency, prepaid telephone card, traditional stamp, coin, voucher, the prior printed deed of gift, scrip; Request dispensing tag card, licence or license; The paper project that reception enters in the TEM that the save chamber is set comprises: form, application form, negotiable project and currency; Catch user's signature; Catch user's photo or video image or visual image; Document with optical means or magnetism method scanning user submission; The value project that comprises check with optical means or magnetism method scanning user submission; The project of previous scanning is carried out identification of magnetic China ink or optical characteristics identification.

108. according to the described system of claim 98, wherein said instruction comprises that request dispensing comprises: the request of the one or more existing value project of currency, prepaid telephone card, traveller's check, scrip, traditional stamp, coin, voucher or the in advance printed deed of gift.

109. according to the system that claim 100 provides, wherein the TEM request of will providing and delivering sends to the empowerment management mechanism that is responsible for this TEM.

110. according to the system that claim 101 provides, wherein TEM sends the authorization requests form with ISO 8583 form of message.

111. according to the system that claim 101 provides, wherein the form of the authorization requests of TEM transmission is identical with the XML document form.

112. the system that provides according to claim 101, wherein roughly send authorization requests with the form of ISO 8583 conformances to standard with the field in message number, the message, field contents and the meaning of all these, but coding, expression and the others of data mode and form with the roughly consistent document of XML standard in.

113. according to the described system of claim 101, wherein the form of the described authorization requests of TEM transmission is that traditional ATM starts protocol form, for example (but being not limited to), Diebold911/912.

114. according to the described system of claim 101, wherein the agreement of using between TEM and the empowerment management mechanism is that the traditional ATM of Diebold 911/912 or similar special use drives the arbitrary of agreement or similar this agreement.

115. according to claim 105 and 108 described systems, wherein send described legacy protocol message with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard, but to transmit described legacy protocol message with the document form of XML conformance to standard.

116. according to the described system of claim 105 to 107, wherein send described legacy protocol message, but utilize one or more http or the described legacy protocol message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

117. according to the described system of claim 102 to 104, wherein send described ISO 8583 message, but utilize one or more http or described ISO 8583 message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

118. according to the described system of claim 101 to 109, if wherein described request is authorized to, then the browser of TEM is then visited a document, and if described request be rejected, then visit another document.

119., wherein in the previous document of described browser access, will be sent to TEM according to the identification code and the position of the correct document that the response of described authorization requests is visited according to the described system of claim 110.

120. the system that provides according to claim 111, a plurality of documents that further existence can be accessed wherein, and visit which document and depend on the object code that is included in the described response of described dispensing authorization requests.

121. the system that provides according to claim 101 to 112, if wherein at special time in the cycle, TEM can not receive the response to authorization requests, and then the software in the TEM makes browser document is loaded in the place that the URL of described document is provided in the previous document.

122. the system that provides according to claim 60, wherein with that described TEM is connected to described mechanism is roughly synchronous, described TEM is hired out the duration that mechanism and described user to described expectation conclude the business, and roughly stop described taxi when finishing synchronously with this process of exchange.

123. according to the described system of claim 61, wherein TEM is under the control of described effective control, described TEM and described institutional network, described TEM is hired out the duration that mechanism and described user to described expectation conclude the business, and roughly stop described taxi when finishing synchronously with this process of exchange.

124. according to the described system of claim 60,, sell the mechanism of described expectation, and roughly synchronously buy described TEM back when finishing by the previous owner with this process of exchange with described TEM wherein with that described TEM is connected to described mechanism is roughly synchronous.

125. according to the described system of claim 61, wherein TEM sells the mechanism of described expectation with described TEM under the control of described effective control, and finishes roughly synchronously to buy described TEM back by the previous owner with this process of exchange.

126., wherein buy price back and equal acquisition price and deduct and during having described TEM, carry out the desired expense of process of exchange according to the system that claim 105 and 117 provides.

127. the system according to claim 114 and 115 provides wherein collects the charges to the described mechanism of renting described TEM.

128. according to the described system of claim 119, wherein to all or some: be provided with in communication system operator, its house described TEM entity, have described TEM entity, the entity of switch and route device is provided and is responsible for safeguarding the described rent of distribution between the entity of described TEM.

129. the system that provides according to claim 118, wherein all or some: be provided with in communication system operator, its house described TEM entity, have described TEM entity, the entity of switch and route device is provided and is responsible for safeguarding between the entity of described TEM that distribution is by selling price and buy the number that the difference between the price is represented back.

One of 130. according to the system that claim 60 to 121 provides, wherein said TEM comprises: in the group in smart phone, computing machine, point of sale device, cash dispensing device, the ATM based on script, interactive television, web TV, visual bank machine, videophone and the networking of any public internet stand in.

131. the system that provides according to claim 60 to 122, wherein to comprise as: the project of the utilization of paper, currency, coupon, ink, toner and the resource that provides, as described in the consumption of project of TEM internal consumption follow the tracks of, thereby correctly keep accounts, check account and safeguard.

132. one kind be used for transaction execution system can dynamically labeled TEM, this can comprise by dynamically labeled TEM:

A. communication system is connected to the selection mechanism of selecting thereby can operationally link to each other with described TEM according to the information that the user provides with described TEM from a plurality of mechanisms, and each mechanism in described a plurality of mechanisms comprises predetermined labels; And

B. configuration-system is used for according to the predetermined labels unit of described selection mechanism described TEM being configured.

133. according to claim 124 is described can dynamically labeled TEM, wherein said user provides information to comprise the user's who uses TEM biometric measurements.

134. according to claim 124 is described can dynamically labeled TEM, wherein submit to the user of card to determine described selection mechanism to described TEM.

135. according to claim 126 is described can dynamically labeled TEM, wherein by determining described selection mechanism with reference to the magnetic stripe on the described card.

136. according to claim 127 is described can dynamically labeled TEM, wherein said magnetic stripe comprises the information of the described selection mechanism of unique identification.

137. according to claim 127 is described can dynamically labeled TEM, wherein said magnetic stripe comprises publisher's identification number.

138. according to claim 127 is described can dynamically labeled TEM, wherein said magnetic stripe comprises bank identifier number.

139. according to claim 127 is described can dynamically labeled TEM, wherein said magnetic stripe comprises the URL of described selection mechanism.

140. according to claim 126 is described can dynamically labeled TEM, wherein submit to the described user of smart card to determine described selection mechanism to described TEM.

141. according to claim 132 is described can dynamically labeled TEM, wherein said smart card comprises the unique information of the described selection mechanism of unique identification.

142. according to claim 132 is described can dynamically labeled TEM, wherein said smart card comprises publisher's identification number.

143. according to claim 132 is described can dynamically labeled TEM, wherein said smart card comprises bank identifier number.

144. according to claim 132 is described can dynamically labeled TEM, wherein said smart card comprises the URL of described selection mechanism.

145. according to claim 124 is described can dynamically labeled TEM, wherein submit to the described user of smart card to determine described selection mechanism, so that described card contains the identifier of several mechanisms to described TEM.

146. according to claim 137 is described can dynamically labeled TEM, wherein show all described mechanisms and in all described mechanisms, select to the user.

147. according to claim 137 is described can dynamically labeled TEM, wherein from comprising: the described identifier of selecting described mechanism the group of the special method that publisher's identification number, bank identifier number, URL and described system are known;

148. according to claim 124 to 138 is described can dynamically labeled TEM, wherein said TEM is ATM.

149. according to claim 124 to 138 is described can dynamically labeled TEM, wherein said TEM is the pavilion.

150. according to claim 124 to 138 is described can dynamically labeled TEM, wherein said TEM is the pavilion with card reader.

151. according to claim 124 is described can dynamically labeled TEM, being used for of wherein described user being provided determines that the described identifier of described selection mechanism stores in the mancarried device.

152. according to claim 142 is described can dynamically labeled TEM, wherein said mancarried device operationally temporarily is connected to TEM so that described member mechanism identifier to be provided.

153. according to claim 142 is described can dynamically labeled TEM, wherein utilizing described mancarried device to be connected with infrared ray between the described TEM provides and can be operatively connected.

154. according to claim 142 is described can dynamically labeled TEM, wherein utilizing described mancarried device to be connected with short-range radio frequency between the described TEM provides and can be operatively connected.

155. according to claim 142 to 144 is described can dynamically labeled TEM, wherein from comprise personal digital assistant, stored value card, laptop computer, handheld computer and wireless telephonic group, select described mancarried device.

156. according to claim 142 to 145 is described can dynamically labeled TEM, wherein utilize described mancarried device between described user and described selection mechanism, to conclude the business by described TEM.

157. according to claim 146 is described can dynamically labeled TEM, wherein in the claimed range of mancarried device, on mancarried device, show the mark of member mechanism.

158. according to claim 142 to 145 is described can dynamically labeled TEM, wherein said TEM is ATM.

159. according to claim 142 to 145 is described can dynamically labeled TEM, wherein said TEM is the pavilion.

160. according to claim 124 to 145 and claim 147 and 148 described can dynamically labeled TEM, wherein said TEM contains and comprises the software that is used for showing to the user browser of described predetermined labels unit.

161. according to claim 124 to 148 is described can dynamically labeled TEM, wherein said TEM contains the software that comprises the browser that is used to visit first XML document that is positioned at the URL relevant with the member mechanism of described expectation, and described document contains the mark of the member mechanism of described expectation.

162. according to claim 150 is described can dynamically labeled TEM, arbitrary document and file that wherein said first XML document and described document point to all contain described predetermined labels unit.

163. according to claim 124 to 145 and claim 147 and 148 described can dynamically labeled TEM, wherein said TEM contains and is useful on software and the browser that visit is positioned at first XML document of the URL relevant with the described member of requirement mechanism, and described document contains the predetermined labels unit of the member mechanism of described expectation, utilizes described browser to show described mark to the user.

164. according to claim 151 is described can dynamically labeled TEM, arbitrary document and file that wherein said first XML document and described document point to all contain described predetermined labels unit.

165. according to claim 146 is described can dynamically labeled TEM, wherein said TEM comprises software and at least one browser that is used to visit first XML document that is positioned at the URL relevant with the member mechanism of described expectation, and described document contains the mark of the member mechanism of described expectation, shows described mark to the user on its mancarried device.

166. according to claim 152 is described can dynamically labeled TEM, arbitrary document and file that wherein said first XML document and described document point to all contain described predetermined labels unit.

167. according to claim 150 to 152A is described can dynamically labeled TEM, wherein said first XML document contains the instruction that is useful on operation TEM.

168. according to claim 153 is described can dynamically labeled TEM, wherein said first XML document and can obtain by described first document, comprise the instruction that is used to move described TEM in the inside of the accessed any subsequent document of described process of exchange.

169. according to claim 153 is described can dynamically labeled TEM, the described instruction that wherein is used for moving TEM helps to realize that following menu is one of at least: type information on the printer in TEM; Print and optionally comprise the coupon of permission from the device of its redemption process of motion tracking; Dynamic print is worth project, for example: tickets for competition, negotiable instrument, banker's bill or check, internet postage, shipping ticket, the deed of gift, lottery ticket, scrip or receipt; The existing value project of request dispensing, for example: currency, prepaid telephone card, traditional stamp, coin, voucher, the prior printed deed of gift, scrip; Request dispensing tag card, licence or license; The paper project that reception enters in the TEM that the save chamber is set comprises: form, application form, negotiable project and currency; Catch user's signature; Catch user's photo or video image or visual image; Document with optical means or magnetism method scanning user submission; The value project that comprises check with optical means or magnetism method scanning user submission; The project of previous scanning is carried out identification of magnetic China ink or optical characteristics identification.

170. according to claim 153 is described can dynamically labeled TEM, wherein from comprising: dispensing comprises the group of request of one or more existing value project of currency, prepaid telephone card, traditional stamp, coin and voucher selects described instruction.

171. according to claim 155 is described can dynamically labeled TEM, wherein said TEM sends to described dispensing request the empowerment management mechanism that is responsible for this TEM.

172. according to claim 156 is described can dynamically labeled TEM, the form of wherein said authorization requests is ISO 8583 form of message.

173. according to claim 156 is described can dynamically labeled TEM, the form of wherein said authorization requests is the XML document form.

174. according to claim 156 is described can dynamically labeled TEM, wherein roughly send described authorization requests with the form of ISO 8583 conformances to standard with the field in message number, the message, field contents and the meaning of all these.

175. according to claim 159 is described can dynamically labeled TEM, the form of wherein said authorization requests data and the coding of form, expression and others with the roughly consistent document of XML standard in.

176. according to claim 1 56 is described can dynamically labeled TEM, the form of the described authorization requests that wherein said TEM sends is that traditional ATM drives protocol form.

177. according to claim 156 is described can dynamically labeled TEM, wherein the agreement of using between TEM and empowerment management mechanism is to select from the tabulation of the series of protocols of simulation, NCR native, Triton, Triton simulation and the NDC+ of the simulation that comprises (at least): Diebold 911, Diebold912, Diebold 911, Diebold 912.

178. according to claim 155 to 161 is described can dynamically labeled TEM, if wherein request is authorized to, then browser is then visited a document.

179. according to claim 155 to 162 is described can dynamically labeled TEM, if wherein request is rejected, another document of browser access then.

180. according to claim 55 to 161 is described can dynamically labeled TEM, wherein send described legacy protocol message with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard, but to transmit described legacy protocol message with the document form of XML conformance to standard.

181. according to claim 55 to 161 is described can dynamically labeled TEM, wherein send described legacy protocol message, but utilize one or more http or the described legacy protocol message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

182. according to claim 155 to 161 is described can dynamically labeled TEM, wherein send described ISO 8583 message, but utilize one or more http or the described legacy protocol message of other similar protocol transmission with the field in message number, the message, field contents and the meaning of all these form consistent or roughly the same with described consensus standard.

183. according to claim 155 to 161 is described can dynamically labeled TEM, if wherein described request is authorized to, then the browser of TEM is then visited a document.

184. according to claim 155 to 161 is described can dynamically labeled TEM, if wherein described request is rejected, then visit another document.

185. according to claim 155 to 166A is described can dynamically labeled TEM, wherein the identification code of document to be visited and position be based on the response to described authorization requests, and transfer them to described TEM in the previous document of browser access.

186. according to claim 155 to 167 is described can dynamically labeled TEM, wherein accessed correct document is based on the response to authorization requests, and in the previous document of browser access, transfers them to described TEM.

187. according to claim 168 is described can dynamically labeled TEM, a plurality of documents that further existence can be accessed wherein, and visit which document and depend on the object code that comprises in the response to described dispensing authorization requests.

188. according to claim 156 to 169 is described can dynamically labeled TEM, if wherein at special time in the cycle, described TEM can not receive the response to authorization requests, and the software in the then described TEM makes described browser document is loaded in the place of the URL of the described document that provides in the previous document.

189. according to claim 124 is described can dynamically labeled TEM, wherein roughly synchronous with the mechanism that described TEM is connected to described expectation, described TEM is hired out the duration that mechanism and described user to described expectation conclude the business, and roughly stop described taxi when finishing synchronously with this process of exchange.

190. according to claim 124 is described can dynamically labeled TEM, wherein roughly synchronous with the mechanism that described TEM is connected to described expectation, sell the mechanism of described expectation with described TEM, and roughly synchronous when finishing with this process of exchange, and its previous owner buys described TEM back.

191. according to claim 172 is described can dynamically labeled TEM, wherein finally buy acquisition price that price equals described TEM back and deduct and during having described TEM, carry out the desired expense of process of exchange.

192. according to claim 171 is described can dynamically labeled TEM, wherein the described mechanism of renting TEM is collected the charges.

193. according to claim 173 and 174 described can dynamically labeled TEM, wherein from comprising: be provided with in communication system operator, its house described TEM entity, have described TEM entity, the entity of switch and route device is provided and is responsible for safeguarding described (accordingly) rent of distribution or price difference profit between the entity of selecting whole or some member of group of entity of described TEM.

194. according to claim 124 to 175 is described can dynamically labeled TEM, wherein said TEM comprises: smart phone, computing machine, point of sale device, cash dispensing device, ATM, interactive television, web TV, visual bank machine, videophone and networking station, public internet based on script may the device group in one of.

195. according to claim 124 to 176 is described can dynamically labeled TEM, wherein to from comprising: select the group of paper, currency, coupon, ink, toner, follow the tracks of at the consumption of the project of described TEM internal consumption, thereby keep accounts, check account and safeguard.

196. according to claim 124 to 176 is described can dynamically labeled TEM, wherein the resource consumption that is provided with in the described process of exchange is followed the tracks of, thereby is kept accounts, checks account and safeguard.

197. according to claim 124 to 177A is described can dynamically labeled TEM, by mechanism the final user is provided to utilize the enterprising action attitude of the TEM marker transactions process that is marked at of this mechanism.

198. according to the described dynamically labeled transaction execution system of above-mentioned each claim, the behavior that wherein any described TEM provides described client and function are roughly special-purpose or have fully and control described TEM as described selection member mechanism.

199. according to the described dynamically labeled transaction execution system of claim 179, wherein said system at least operationally links to each other with a conventional transaction network.

200. according to the described dynamically labeled transaction execution system of claim 179, wherein said system at least operationally links to each other with a member mechanism.

201. according to claim 179,180 and 181 described dynamically labeled transaction execution systems, wherein said TEM comprises user interface, to provide by the direct communication between the expression of described TEM and described member mechanism.

202. according to the described dynamically labeled transaction execution system of claim 182, wherein said communication comprises teleconference.

203. according to the described dynamically labeled transaction execution system of claim 182, wherein said communication comprises teleconference and video conference.

204., the part of described expression as described processing and route system is set wherein according to the described dynamically labeled transaction execution system of claim 182.

205. according to the described dynamically labeled transaction execution system of claim 182, wherein said expression is arranged on the position of described member mechanism, or is arranged on the service provider's of the described member of representative mechanism position.

206. according to the described system of claim 179, wherein when the user submits loyalty card to, the user can utilize the provider of this system and loyalty card to be used to alternately realize various purposes, comprises checking the user account situation and putting remaining sum, check effective bonus or bid, the specific bonus of request or commodity.

207. according to claim 179 and 187 described systems, wherein Qi Wang mechanism is not that member of system and user can carry out can being operatively connected the limited function that utilizes this mechanism by it.

208. one kind for the user provides the system of dynamically labeled process of exchange, this system comprises:

A.TEM, be used for simplifying described user and the selection mechanism selected from a plurality of mechanisms between described process of exchange, and selection mechanism comprises the predetermined labels unit;

B. communication system is used for operationally described TEM being connected to the predetermined labels unit of described selection mechanism;

C. configuration-system is used for the described predetermined labels unit according to described selection mechanism, TEM is configured, thus dynamically labeled described TEM; And

D. income stream is resultant as the described mutual process between described user and the described TEM;

Wherein the participant of at least one described system receives described income stream.

209. according to the described system of claim 189, wherein said predetermined labels unit provides interface to the client's of the predetermined described selection mechanism of conduct of described mechanism described user.

210., wherein monitor the amount of the described income stream that described client produces in selection mechanism described in the described reciprocal process according to the described system of claim 190.

211. according to the described system of claim 189 to 191, wherein said selection mechanism is one of described participant.

212. according to the described system of claim 189, wherein said reciprocal process provides the interface to the described user who represents described selection mechanism.

213., wherein in described reciprocal process, indicate contribution to give the charge quantity of described income stream to described user according to the described system of claim 193.

214. according to claim 193 and 194 described systems, wherein said user is one of described participant.

215. according to the described system of claim 189, wherein in described reciprocal process, the supplementary that provides is provided in the operator of TEM position.

216. according to the described system of claim 196, wherein said supplementary is advertisement.

217. according to claim 196 and 197 described systems, wherein said operator is one of described participant.

218. according to the described system of claim 198, wherein the described income stream of part is to hire out income.

219. according to the described system of claim 199, wherein said taxi income is directly proportional with the exchange hour or the trading volume of a plurality of described process of exchanges.

220. according to the described system of claim 189, wherein in described reciprocal process, the owner/operator of described TEM moves described TEM as information kiosk.

221. according to the described system of claim 189, wherein in described reciprocal process, the owner/operator of described TEM moves described TEM as advertising media.

222. according to claim 201 or 202 described systems, wherein said reciprocal process is an important state.

223. according to the described system of claim 189, the route of wherein said communication system and described configuration-system and the provider of switch block are one of described participants.

224. according to the described system of claim 204, wherein the described income stream of part is to be produced by the Membership Fee that described selection mechanism conducts interviews.

225. according to the described system of claim 204, wherein in the important state stage, the described income stream of part is to be produced by the commission that advertisement demonstration and information show.

226. according to the described system of claim 204, wherein the described income stream of part is that the transaction fee of the various services that provided by described provider produces.

227. according to the described system of claim 204, wherein the described income stream of part is by obtaining and providing the commission of bandwidth or communication network ability to produce.

228. computer-readable medium is used to provide dynamically labeled TEM system, comprising:

A.TEM is used to simplify the process of exchange between user and the selection mechanism, and described selection mechanism comprises the predetermined labels unit;

B. communication system responds the information that described user provides, and is used for operationally described TEM being connected to described selection mechanism; And

C. configuration-system is used for according to described predetermined labels unit described TEM being configured, thereby utilizes the identification code and the dynamically labeled described TEM of function of described selection mechanism.

229. utilize the method that comprises the following steps to be used to produce the computer-readable medium of dynamically labeled TEM:

A. make TEM keep idle condition;

B. the user provides information to TEM;

C. according to described information, TEM is operably connected to the mechanism of expectation, but described mechanism comprises identity marking;

D. utilize the mark configuration TEM of the mechanism of described expectation;

E. allow user and this mechanism to conclude the business;

F. after finishing process of exchange, make TEM return idle condition.

230. by the computer-readable medium that is used to produce dynamically labeled TEM equipment that provides as lower device:

A. communication system TEM is connected to the mechanism of an expectation in a plurality of described mechanisms thereby can operationally link to each other with described TEM according to the sign that the user provides, but a described mechanism comprises identity marking;

B. configuration-system is used for according to the described label information of the mechanism of described expectation described TEM being configured, thereby utilizes the identification code and the dynamically labeled described TEM of ability of described mechanism;

C.TEM is used to simplify the process of exchange between the mechanism of a user and a described expectation.

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