Patent US6286756B1 successfully refreshed from Google Patents.
US6286756B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Cardless automated teller transactions
Assignee: ATC Realty Fifteen Inc
•
Filing: 2000-02-28
•
Granted: 2001-09-11
•
Expires: 2020-02-28
Abstract
Abstract A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a storage device including a database of customer information, the customer information including stored biometric information, a connection to a banking network provider, and an electronic processor. The processor is configured to receive the input signals from the input device, receive biometric information from the biometric device, and access the database of customer information in response to the input signals to obtain data about the customer identified by the customer identifier, the data including stored biometric information for the customer. The processor then compares the received biometric information to the stored biometric information, and provides a message to the banking network provider confirming the customer's identity when the received biometric information matches the stored biometric information.
Inventors
- 👤 Michael C. Stinson
- 👤 John W. Templer, Jr.
- 👤 Dyron Clower
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 15:36
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/18; G06Q20/20; G06Q20/202; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G07C; G07C9/00; G07C9/20; G07C9/22; G07C9/25; G07C9/253; G07F19/00; G07F19/20; G07F19/202; G07F7/10
Claims Analysis
Total Claims: 37
Claim 1
Independent Claim
132 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote financial services provider; a storage device including a database of user information, including stored biometric information on the user; a processor configured to: access the database to obtain the stored biometric information on the user, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmit a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 2
Independent Claim
132 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote financial services provider; a storage device including a database of user information, including stored biometric information on the user; a processor configured to: access the database to obtain the stored biometric information on the user, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmit a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 3
Dependent Claim
42 words
An apparatus as recited in claim 1 , further comprising a cash dispenser, wherein the processor is further configured to cause the cash dispenser to dispense cash to the user in response to a message received from the remote financial services provider.
Claim 4
Dependent Claim
17 words
An apparatus as recited in claim 1 , wherein the financial services provider is a banking provider.
Claim 5
Independent Claim
158 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote banking provider; a local storage device including a database of user information, including stored biometric information for each of a plurality of users, including said user; a cash dispenser; and a processor configured to: use the user identifier to access the database to obtain information on the user, including stored biometric information on the user, without using information obtained from a card, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmit a message to the remote banking provider confirming the identity of the user when the identity of the user is confirmed.
Claim 6
Independent Claim
158 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote banking provider; a local storage device including a database of user information, including stored biometric information for each of a plurality of users, including said user; a cash dispenser; and a processor configured to: use the user identifier to access the database to obtain information on the user, including stored biometric information on the user, without using information obtained from a card, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmit a message to the remote banking provider confirming the identity of the user when the identity of the user is confirmed.
Claim 7
Dependent Claim
36 words
An apparatus as recited in claim 4 , wherein the processor is further configured to cause the cash dispenser to dispense cash to the user in response to a message received from the remote banking provider.
Claim 8
Independent Claim
127 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: means for receiving a user identifier from a user; means for acquiring biometric information of the user; means for communicating with a remote financial services provider; means for locally storing a database of user information, including stored biometric information on the user; means for accessing the database to obtain the stored biometric information on the user, means for confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and means for transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 9
Independent Claim
127 words
An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising: means for receiving a user identifier from a user; means for acquiring biometric information of the user; means for communicating with a remote financial services provider; means for locally storing a database of user information, including stored biometric information on the user; means for accessing the database to obtain the stored biometric information on the user, means for confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and means for transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 10
Dependent Claim
45 words
An apparatus as recited in claim 6 , further comprising: cash dispensing means for dispensing cash to the user; and means for causing the cash dispensing means to dispense cash to the user in response to a message received from the remote financial services provider.
Claim 11
Dependent Claim
17 words
An apparatus as recited in claim 7 , wherein the financial services provider is a banking provider.
Claim 12
Independent Claim
113 words
A method of providing automated financial transactions without the use of a card, the apparatus comprising: receiving a user identifier from a user; acquiring biometric information of the user; communicating with a remote financial services provider; storing locally a database of user information, including stored biometric information on the user; accessing the database to obtain the stored biometric information on the user, confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 13
Independent Claim
113 words
A method of providing automated financial transactions without the use of a card, the apparatus comprising: receiving a user identifier from a user; acquiring biometric information of the user; communicating with a remote financial services provider; storing locally a database of user information, including stored biometric information on the user; accessing the database to obtain the stored biometric information on the user, confirming the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and transmitting a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.
Claim 14
Dependent Claim
27 words
A method as recited in claim 9 , further comprising dispensing cash to the user in response to a message received from the remote financial services provider.
Claim 15
Dependent Claim
17 words
A method as recited in claim 10 , wherein the financial services provider is a banking provider.
Claim 16
Dependent Claim
177 words
A retrofit module for configuring an automated banking teller to provide careless automated teller transactions, the automated teller machine having an input device, a card reader, and a cash dispenser, the retrofit module comprising: an input/output (I/O) port configured to receive an input signal from the automated teller machine, the input signal representing a user identifier received from the user by the user input device of the automated teller machine; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote financial services provider; a local storage device including a database of user information, including stored biometric information on the user; a processor configured to: access the user database to obtain the stored biometric information on the user, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and output a message at the I/O port indicating the identity of the user has been confirmed when the identity of the user is confirmed.
Claim 17
Dependent Claim
177 words
A retrofit module for configuring an automated banking teller to provide careless automated teller transactions, the automated teller machine having an input device, a card reader, and a cash dispenser, the retrofit module comprising: an input/output (I/O) port configured to receive an input signal from the automated teller machine, the input signal representing a user identifier received from the user by the user input device of the automated teller machine; a biometric device to acquire biometric information of the user; a communication device to communicate with a remote financial services provider; a local storage device including a database of user information, including stored biometric information on the user; a processor configured to: access the user database to obtain the stored biometric information on the user, confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, and output a message at the I/O port indicating the identity of the user has been confirmed when the identity of the user is confirmed.
Claim 18
Independent Claim
98 words
An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising: a biometric device to acquire biometric information of a user; a storage device including a database of user information, including a stored payroll amount for the user; a cash dispenser; and a processor configured to: confirm the identity of the user using the acquired biometric information and without using information obtained from a card, and if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user according to the stored payroll amount for the user.
Claim 19
Independent Claim
98 words
An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising: a biometric device to acquire biometric information of a user; a storage device including a database of user information, including a stored payroll amount for the user; a cash dispenser; and a processor configured to: confirm the identity of the user using the acquired biometric information and without using information obtained from a card, and if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user according to the stored payroll amount for the user.
Claim 20
Dependent Claim
45 words
An apparatus as recited in claim 13 , wherein the database of user information further includes stored biometric information on the user, and wherein the processor is configured to confirm the identity of the user using the stored biometric information and the acquired biometric information.
Claim 21
Dependent Claim
25 words
An apparatus as recited in claim 13 , wherein the database of user information includes stored payroll amounts for each of a plurality of users.
Claim 22
Dependent Claim
25 words
An apparatus as recited in claim 15 , wherein the database of user information includes stored biometric information for each of a plurality of users.
Claim 23
Dependent Claim
40 words
An apparatus as recited in claim 13 , further comprising a user input device to receive a user identifier from the user, wherein the processor is configured to locate the stored biometric information on the user using the user identifier.
Claim 24
Independent Claim
142 words
An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a local storage device including a database of user information, including stored biometric information and a stored payroll amount for each of a plurality of users, including said user; a cash dispenser; and a processor configured to: access the stored biometric information using the user identifier, confirm the identity of the user using the acquired biometric information and the stored biometric information for the user and without using information obtained from a card, and if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user in an amount based on the stored payroll amount for the user.
Claim 25
Independent Claim
142 words
An apparatus for providing automated payroll distribution without the use of a card, the apparatus comprising: a user input device to receive a user identifier from a user; a biometric device to acquire biometric information of the user; a local storage device including a database of user information, including stored biometric information and a stored payroll amount for each of a plurality of users, including said user; a cash dispenser; and a processor configured to: access the stored biometric information using the user identifier, confirm the identity of the user using the acquired biometric information and the stored biometric information for the user and without using information obtained from a card, and if the identity of the user is confirmed, cause the cash dispenser to dispense cash to the user in an amount based on the stored payroll amount for the user.
Claim 26
Independent Claim
87 words
An apparatus for providing automated payroll distribution without the use of a card, the method comprising: means for acquiring biometric information of a user; means for storing locally a database of user information, including a stored payroll amount for the user; means for confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and means for dispensing cash to the user according to the stored payroll amount for the user if the identity of the user is confirmed.
Claim 27
Independent Claim
87 words
An apparatus for providing automated payroll distribution without the use of a card, the method comprising: means for acquiring biometric information of a user; means for storing locally a database of user information, including a stored payroll amount for the user; means for confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and means for dispensing cash to the user according to the stored payroll amount for the user if the identity of the user is confirmed.
Claim 28
Dependent Claim
47 words
An apparatus as recited in claim 19 , wherein the database of user information further includes stored biometric information on the user, and wherein said means for confirming comprises means for confirming the identity of the user using the stored biometric information and the acquired biometric information.
Claim 29
Dependent Claim
25 words
An apparatus as recited in claim 19 , wherein the database of user information includes stored payroll amounts for each of a plurality of users.
Claim 30
Dependent Claim
25 words
An apparatus as recited in claim 21 , wherein the database of user information includes stored biometric information for each of a plurality of users.
Claim 31
Dependent Claim
38 words
An apparatus as recited in claim 19 , further comprising means for receiving a user identifier from the user, the apparatus further comprising means for using the user identifier to access the stored biometric information on the user.
Claim 32
Independent Claim
84 words
A method of providing automated payroll distribution without the use of a card, the method comprising: using a biometric device to acquire biometric information of a user; storing locally a database of user information, including a stored payroll amount for the user; confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and if the identity of the user is confirmed, dispensing cash to the user according to the stored payroll amount for the user.
Claim 33
Independent Claim
84 words
A method of providing automated payroll distribution without the use of a card, the method comprising: using a biometric device to acquire biometric information of a user; storing locally a database of user information, including a stored payroll amount for the user; confirming the identity of the user using the acquired biometric information and without using information obtained from a card; and if the identity of the user is confirmed, dispensing cash to the user according to the stored payroll amount for the user.
Claim 34
Dependent Claim
43 words
A method as recited in claim 21 , wherein the database of user information further includes stored biometric information on the user, and wherein said confirming comprises confirming the identity of the user using the stored biometric information and the acquired biometric information.
Claim 35
Dependent Claim
25 words
A method as recited in claim 21 , wherein the database of user information includes stored payroll amounts for each of a plurality of users.
Claim 36
Dependent Claim
25 words
A method as recited in claim 26 , wherein the database of user information includes stored biometric information for each of a plurality of users.
Claim 37
Dependent Claim
34 words
A method as recited in claim 21 , further comprising receiving a user identifier from the user, the method further comprising using the user identifier to access the stored biometric information on the user.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2004-09-10 | 2005-03-12 | 2005-09-11 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-09-10 | 2009-03-12 | 2009-09-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-09-10 | 2013-03-12 | 2013-09-11 | $7700.00 | Window Closed / Lapsed |