U.S. patent application number 14/965235 was filed with the patent office on 2017-03-30 for automated transaction machine with dual customer interface displays.
The applicant listed for this patent is Diebold Self-Service Systems, Division of Diebold, Incorporated. Invention is credited to Todd Christian, Neil Gromley, Timothy Hoover, Donald Nelson, JR..
Application Number | 20170091729 14/965235 |
Document ID | / |
Family ID | 58412811 |
Filed Date | 2017-03-30 |
United States Patent
Application |
20170091729 |
Kind Code |
A9 |
Hoover; Timothy ; et
al. |
March 30, 2017 |
AUTOMATED TRANSACTION MACHINE WITH DUAL CUSTOMER INTERFACE
DISPLAYS
Abstract
In an example embodiment, described herein is an automated
transaction machines with dual customer interface displays of
different sizes and different orientations, configured for
selective use by a customer by selection of desired display option
for a financial transaction.
Inventors: |
Hoover; Timothy; (Canton,
OH) ; Nelson, JR.; Donald; (Akron, OH) ;
Christian; Todd; (Dalton, OH) ; Gromley; Neil;
(Kensington, OH) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Diebold Self-Service Systems, Division of Diebold,
Incorporated |
North Canton |
OH |
US |
|
|
Prior
Publication: |
|
Document Identifier |
Publication Date |
|
US 20160171461 A1 |
June 16, 2016 |
|
|
Family ID: |
58412811 |
Appl. No.: |
14/965235 |
Filed: |
December 10, 2015 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
|
62090094 |
Dec 10, 2014 |
|
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
C12Q 1/6851 20130101;
C12Q 1/6853 20130101; C12Q 1/689 20130101; C12Q 1/6853 20130101;
C12Q 2525/161 20130101; C12Q 2561/113 20130101; C12Q 2525/161
20130101; C12Q 2600/16 20130101; C12Q 2561/113 20130101; G07F
19/205 20130101; C12Q 2600/158 20130101; C12Q 1/6851 20130101; G07F
19/20 20130101; G06Q 20/1085 20130101; G06F 3/0488 20130101 |
International
Class: |
G06Q 20/10 20060101
G06Q020/10; G06F 3/0488 20060101 G06F003/0488 |
Claims
1. An apparatus, comprising: a first display having a first size
and a first orientation; a second display having a second size that
is less than the first size and a second orientation that is
different from the first orientation; and display logic coupled
with the first display and the second display; the display logic is
operable to allow a user to select a mode of operation for the
first display and the second display; wherein the mode of operation
is selected from a group consisting of displaying transaction
information on the first display while blanking the second display,
and displaying transaction information on the second display while
banking the first display.
2. The apparatus set forth in claim 1, wherein the mode of
operation is selected from a group consisting of displaying
transaction information on the first display while blanking the
second display, displaying transaction information on the second
display while banking the first display and toggling between
displaying transaction data on the first display and displaying
transaction on the second display.
3. The apparatus set forth in claim 1, wherein the mode of
operation is selected from a group consisting of displaying
transaction information on the first display while blanking the
second display, displaying transaction information on the second
display while banking the first display, and one of a group
consisting of concurrently and simultaneously displaying
information on both the first display and the second display.
4. The apparatus set forth in claim 1, wherein the display logic is
operable to save a user selection as a default mode for the
user.
5. The apparatus set forth in claim 1, further comprising: an
automated banking machine associated with the first and second
displays; the automated banking comprises at least one of a group
consisting of a service teller call light, one or more consumer
facing cameras, one or more microphones, one or more speakers, a
contactless card reader such a near-field communication device; an
encrypting Personal Identification Number pad, a headphone jack, a
receipt printer, a card reader, an Europay, MasterCard, and Visa
card reader that is configure for one of a group consisting of
short-edge and long-edge card insertion, a DIP card reader, a 2D
barcode scanner, document scanner, a mixed deposit module opening
for receipt of currency and documents, and a biometric reading
device.
6. The apparatus set forth in claim 5, wherein the first display is
orientated generally vertically and the second display is
orientated generally horizontally.
7. The apparatus set forth in claim 6, wherein the first display is
at a first height and the second display is at a second height that
is lower than the first height.
8. The apparatus set forth in claim 7, wherein the second height is
low enough to allow a user in a wheelchair to interact with the
second display.
9. The apparatus set forth in claim 7, wherein the second display
comprises one of a group consisting of a touch screen interface, a
scanning window and a signature window.
10. An apparatus, comprising: a first display having a first size
and a first, vertical orientation; a second display having a second
size that is less than the first size and a second, horizontal
orientation; and display logic coupled with the first display and
the second display; the display logic is operable to display public
data on the first display and private data on the second
display.
11. The apparatus set forth in claim 10, wherein the public data is
selected from a group consisting of customer attention,
advertisement, and transaction initiation.
12. The apparatus set forth in claim 10, wherein the private data
comprises private transaction data.
13. The apparatus set forth in claim 12, wherein the private
transaction data is selected from a group consisting of account
balance, account number, transaction amount.
14. The apparatus set forth in claim 10, further comprising: the
display logic is operable to allow a user to select a mode of
operation for the first display and the second display; wherein the
mode of operation is selected from a group consisting of displaying
transaction information on the first display while blanking the
second display, and displaying transaction information on the
second display while banking the first display.
15. The apparatus set forth in claim 14, wherein the mode of
operation is selected from a group consisting of displaying
transaction information on the first display while blanking the
second display, displaying transaction information on the second
display while banking the first display and toggling between
displaying transaction data on the first display and displaying
transaction on the second display.
16. The apparatus set forth in claim 14, wherein the mode of
operation is selected from a group consisting of displaying
transaction information on the first display while blanking the
second display, displaying transaction information on the second
display while banking the first display, and one of a group
consisting of concurrently and simultaneously displaying
information on both the first display and the second display.
17. The apparatus set forth in claim 1, further comprising: an
automated banking machine associated with the first and second
displays; the automated banking comprises at least one of a group
consisting of a service teller call light, one or more consumer
facing cameras, one or more microphones, one or more speakers, a
contactless card reader such a near-field communication device; an
encrypting Personal Identification Number pad, a headphone jack, a
receipt printer, a card reader, an Europay, MasterCard, and Visa
card reader that is configure for one of a group consisting of
short-edge and long-edge card insertion, a DIP card reader, a 2D
barcode scanner, document scanner, a mixed deposit module opening
for receipt of currency and documents, and a biometric reading
device.
18. The apparatus set forth in claim 17, wherein the first display
is at a first height and the second display is at a second height
that is lower than the first height.
19. The apparatus set forth in claim 18, wherein the second height
is low enough to allow a user in a wheelchair to interact with the
second display.
20. The apparatus set forth in claim 18, wherein the second display
comprises one of a group consisting of a touch screen interface, a
scanning window and a signature window.
Description
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] This application claims the benefit under 35 U.S.C.
.sctn.119 of U.S. Provisional Application No. 62/090,904 filed Dec.
10, 2014, the entire application is hereby incorporate by reference
herein.
TECHNICAL FIELD
[0002] The present disclosure relates generally to a user interface
for an automated transaction machine ("ATM").
BACKGROUND
[0003] Automated transactions machines and automated banking
machines are designed and configured to carry out financial
transactions such as dispensing cash, accepting deposits such as
cash and checks and other notes or documents or envelopes, and may
be capable of performing other financial transactions such as funds
transfers between accounts by connection to one or more financial
networks. As referred to herein, the term automated transaction
machine (ATM) includes automated banking machines and any machine
or device, or combination of hardware and software which perform
financial transactions or transfers of value.
BRIEF DESCRIPTION OF THE DRAWINGS
[0004] The accompanying drawings incorporated herein and forming a
part of the specification illustrate the example embodiments.
[0005] FIG. 1 is 1 is a perspective view of a representative
embodiment of an In Lobby Teller (ILT) ATM which has a customer
interface with first and second displays.
[0006] FIG. 2 illustrates an example of a standalone ATM which has
a customer interface with first and second displays.
[0007] FIG. 3 is 4 illustrates an example of an ATM in a
through-the-wall configuration which has a customer interface with
first and second displays.
[0008] FIG. 4 is a logical block diagram illustrating an example of
a dual display interface suitable for use with an ATM.
[0009] FIG. 4 is a logical block diagram illustrating an example of
an ATM with a dual.
[0010] FIG. 6 is a block diagram of a computer system upon which an
example embodiment can be implemented.
OVERVIEW OF EXAMPLE EMBODIMENTS
[0011] The following presents a simplified overview of the example
embodiments in order to provide a basic understanding of some
aspects of the example embodiments. This overview is not an
extensive overview of the example embodiments. It is intended to
neither identify key or critical elements of the example
embodiments nor delineate the scope of the appended claims. Its
sole purpose is to present some concepts of the example embodiments
in a simplified form as a prelude to the more detailed description
that is presented later.
[0012] In accordance with an example embodiment, a user interface
with dual displays. The first display is oriented in a first
direction. The second display is smaller than the first size and
oriented in a (different) second direction. Display logic coupled
with the first and second displays is operable to control the
operation of the first and second displays. The display logic
allows a user to select a display mode for financial transaction,
such as for example, transaction information displayed on the first
display while the second display is blank, display transaction on
the second display while the first display is blank, toggling
between employing the first display and second display for a
transaction, simultaneously displaying transaction data on both the
first display and the second display, concurrently displaying
transaction data on both the first display and the second display,
or displaying public information on the first display while
displaying private information on the second display.
DESCRIPTION OF EXAMPLE EMBODIMENTS
[0013] This description provides examples not intended to limit the
scope of the appended claims. The figures generally indicate the
features of the examples, where it is understood and appreciated
that like reference numerals are used to refer to like elements.
Reference in the specification to "one embodiment" or "an
embodiment" or "an example embodiment" means that a particular
feature, structure, or characteristic described is included in at
least one embodiment described herein and does not imply that the
feature, structure, or characteristic is present in all embodiments
described herein.
[0014] ATMs in the various embodiments disclosed herein have a
customer interface which includes first and second displays. A
first display is of a first size and in a first position and first
orientation. A second display is of a second size and in a second
position and second orientation. In a first example embodiment, the
first display is located generally vertically above the second
display, and the first size of the first display is larger than the
second size of the second display. In a second example embodiment,
the first orientation of the first display is generally vertical
and the second orientation of the second display is generally
horizontal, as will be further described herein. In other
embodiments, the first display is located generally vertically
above the second display, and the first size of the first display
is larger than the second size of the second display, and both the
first display and second display are generally vertically oriented.
In particular embodiments, the second display may be equal or
larger than the first display. As used herein, generally vertical
is within forty-five degrees of the vertical axis while generally
horizontal is within forty-five degrees of an axis that is
orthogonal to the vertical axis.
[0015] A customer interface in an example embodiment described
herein comprises a first display in a first or uppermost position
and first orientation such as generally vertical or vertical in a
rearwardly slanted or tilted or easel orientation, the first
display in a in either a landscape or portrait orientation and able
to be mounted or adjusted to any such orientation, the first
display being of a first size and may be a SXGA ("Super-eXtended
Graphics Array") type color display, touch screen enabled, sunlight
viewable and with privacy filter, and a second display in a second
location generally at a lower height than the first display and in
a second orientation different than the first orientation of the
first display and in an example embodiment in a generally
horizontal orientation or slightly inclined plane inclined toward a
front of the ATM customer interface, the second display being of a
second display size that is less than a display size of the first
display, the second display may be a touch screen enabled display
and optionally configured as a virtual PIN pad; a scanner with a
scanning window and/or signature window that is co-located or in
place of the display screen of the second display. Optionally, the
user interface may further include, but is not limited to, one or
any combination of the following components, modules and devices: a
service teller call beacon; one or more consumer facing cameras,
one or more microphones, one or more speakers, a contactless card
reader such as a near-field communication (NFC) device; an
encrypting PIN (Personal Identification Number) pad, a headphone
jack, a receipt printer such as for example a 80 mm enhanced
graphical printer; a card reader such as for example an EMV
(Europay, MasterCard, and Visa) card reader which may be configured
for short-edge or long-edge card insertion and reading, MCR
(Magnetic Ink Character Recognition) or a DIP card reader, a 2D
barcode or QR (Quick Response) code scanner or document scanner, a
mixed deposit module opening for receipt of currency, documents,
notes, tickets or any other medium of transaction, a biometric
reading device such as a fingerprint reader or retinal detector;
and a fascia assembly as depicted herein. In particular
embodiments, the first display may comprise a scanning window
and/or a signature window.
[0016] The differing location, size and orientation between the
first display and second display can be advantageous for improved
ergonomics and operating ease. The dual displays of the customer
interfaces of the ATMs of the present disclosure allow for easier
access and operation by customers regardless of customer height and
position (standing or sitting, such as for example a person
confined to a wheelchair). The different orientation of the first
and second displays allows a customer to select a display of their
preference for conducting a transaction. The choice including size
of the display and the information presented thereon, and the
orientation of the display between generally "head-up" and
"head-down". The ATM can be configured to have the first display
and second display operate simultaneously, e.g. displaying the same
information at the same time, or to display different information
or graphics, such as for example an image of a teller or teller
avatar or advertisement or other information on the first display,
and transaction information or documents on the second display.
Alternatively, the ATM may be configured to allow for customer
selection of the first or second display for conducting a
transaction, which selection may deactivate the display not chosen.
This control may be incorporated into the customer interface or as
a control that is operated by one of the touch screen displays. For
example, a control or instruction as simple as "select display" or
"select screen" at the start of the transaction, by touching the
selected screen, will then deactivate the other non-selected
display. Alternatively, the ATM may be configured to enable a
customer to switch or toggle between the first or second displays
during a transaction. This is a desirable function for using the
larger first display in an attract or standby or transaction
initiation mode, and then switching to the smaller second display
before the private transaction details are displayed. Another
operational configuration is to use the first display for customer
attraction or advertising and transaction initiation, and the
second display exclusively for display of private transaction
details. Another ATM function which can be included in the control
software is to use the larger first display for display of ATM
operation instructions, prompts, responses or other generic or
non-private information pertaining to a transaction, while all
personal or private information is displayed on the smaller second
display.
[0017] In an example embodiment, the generally horizontal
orientation of the second display is significantly more concealed
to the ATM user, e.g., much more difficult to view by people in
line behind the user or at the side of the ATM. The display screen
of the second display is located in a counter structure of the ATM
which projects from front fascia generally horizontally and at a
slight downward angle. In an example embodiment, the counter
surface height is ergonomically suited for users in a wheelchair or
in similar mobile conveyances, and from which vantage the user may
prefer either the first display or second display, and control the
selection thereof as explained. The generally horizontal
orientation of the second display can be advantageous when the
second display is configured as a scanner for placement of
documents thereon. Any of the various embodiments of the dual
display ATM customer interfaces can also be implemented in outdoor,
through-the-wall or drive-up configurations, as depicted
herein.
[0018] ATMs of the present disclosure may include or otherwise be
in part or any of the following configurations, including
transaction function devices may include a document dispensing
mechanism, including a dispenser which operates to cause sheets
such as currency bills or other documents of value stored within
the machine to be delivered from the machine to a machine user.
Such mechanisms are referred to herein as a cash dispenser.
Examples of such cash dispensers are shown in U.S. Pat. Nos.
7,121,461; 7,131,576; 7,140,537; 7,140,607; 7,144,006; and
7,000,832 the disclosures of which are incorporated herein by
reference.
[0019] The ATMs of the present disclosure may further include a
depository operative to accept deposits such as cash or other
instruments such as checks from customers. It should be understood
that in other embodiments other types of depositories which accept
various types of items representative of value may be used.
Examples of depository devices are shown in U.S. Pat. Nos.
7,156,295; 7,137,551; 7,150,394; and 7,021,529 the disclosures of
which are incorporated hereby by reference. Exemplary ATMs may also
include a note acceptor of the types described in the incorporated
disclosures. The exemplary embodiment may include a receipt printer
operative to print customer receipts related to the transaction.
The exemplary embodiment may include other transaction function
devices, such as a coin dispenser, coin acceptor, currency stacker,
ticket accepting devices, stamp accepting devices, card dispensing
devices, money order dispensing devices, and other types of devices
which are operative to carry out transaction functions. Some of
these devices may be located in the upper or lower housing areas as
depicted in the accompanying Figures, the depicted embodiments
being representative and illustrative of various embodiments of the
ATMs of the disclosure and related inventions.
[0020] FIG. 1 is 1 is a perspective view of a representative
embodiment of an ILT ATM 100 which has a customer interface 102
with first and second displays 104, 106 respectively. The operation
of the first and second displays 104, 106 will be described in more
detail herein infra (see e.g., FIG. 4).
[0021] In the illustrated example, the first display 104 is at a
first height, taller than the second display 106 and oriented in a
substantially vertical direction as depicted. In an example
embodiment, the first display 104 is a 19 inch SXGA display. In
particular embodiments, the first display 104 comprises a touch
screen or an encrypting touch screen interface. In yet other
example embodiments, the first display 104 comprises a document
scanner. In still yet other example embodiments, the first display
104 comprises a signature scanner. As those skilled in the art can
readily appreciate, the first display 104 may suitably comprise any
combination of a touch screen, document scanner, or signature
scanner. In an example embodiment, the first display 104 may
suitably comprise a virtual PIN pad, and in particular embodiments,
the virtual PIN pad is an encrypting PIN pad.
[0022] In the illustrated example, the second display 106 is
oriented in a different (e.g., substantially horizontal) direction
and is smaller than the first display. In an example embodiment,
the second display 106 is a 10.4 inch display. In an example
embodiment, the second display 106 can be a touch screen enabled
display and optionally configured as a virtual PIN pad or with a
scanning window or signature capture device co-located or in place
of the display screen of the second display 106.
[0023] The differing location, size and orientation between the
first display 104 and the second display 106 can ergonomically
beneficial and provide operating ease. The dual displays 104, 106
of the customer interface 102 of the ATM 100 allow for easier
access and operation by customers regardless of customer's height
and/or position (standing or sitting, such as for example a person
confined to a wheelchair or similar device). The different
orientation of the first and second displays 104, 106 allows a
customer to select a display of their preference for conducting a
transaction. The choice including size of the display and the
information presented thereon, and the orientation of the display
between generally "head-up" and "head-down". The ATM 100 can be
configured to have the first display 104 and second display 106
operate simultaneously, e.g. displaying the same information at the
same time (or concurrently), or to display different information or
graphics, such as for example an image of a teller or teller
avatar, advertisement, or other information on the first display
104, while displaying transaction information or documents on the
second display 106. Alternatively, the ATM 100 may be configured to
allow for customer selection of the first 104 or second 106 display
for conducting a transaction, which selection may deactivate the
display not chosen. This control may be incorporated into the
customer interface or as a control that is operated by one of the
touch screen displays. For example, a control or instruction as
simple as "select display" or "select screen" at the start of the
transaction, by touching the selected screen, will then deactivate
the other non-selected display. Alternatively, the ATM 100 may be
operable to enable a customer to switch or toggle between the first
104 or second 106 displays during a transaction. This is a
desirable function for using the larger first display 104 in an
attract customer or standby or transaction initiation mode, and
then switching to the smaller second display 106 before the private
transaction details are displayed. Another operational
configuration option is to use the first display 104 for customer
attraction or advertising and transaction initiation, and the
second display 106 exclusively for the display of private
transaction details. Another ATM function which can be included in
the control software (or logic as will be described in more detail
herein infra) is to use the larger first display 104 for the
display of ATM operation instructions, prompts, responses or other
generic or non-private information pertaining to a transaction,
while personal or private information is displayed on the smaller
second display 106 which is also oriented to better conceal the
information from persons behind the customer. Although the
description herein describes the first display 104 as larger than
the second display 106, those skilled in the art can appreciate
that in particular embodiments the second display 106 may be equal
or larger than the first display 104.
[0024] In an example embodiment, the generally horizontal
orientation of the second display 106 can provide more concealment
to the ATM user, (e.g., it is more difficult to view by people in
line behind the user or standing at the side of the ATM 100). The
display screen of the second display 106 is located in a counter
structure 136 of the ATM 100 which projects from front fascia 134
in a generally horizontally direction and at a slight downward
angle. In an example embodiment, the counter surface height is
ergonomically suited for users in a wheelchair or in similar mobile
conveyances, and from which vantage the user may prefer either the
first display 104 or second display 106, and control the selection
thereof as explained herein. The generally horizontal orientation
of the second display 106 can be advantageous when the second
display 106 is configured as a scanner for placement of documents
thereon.
[0025] In the illustrated example, the ATM 100 further comprises a
teller help/call button light 108. A customer can request teller
assistance by pushing the teller call button 110. The teller
help/call button light can change colors and/or flash upon
activation of the teller call button 110. For example, the teller
help/call button light 108 may be green in a normal operating mode,
but turn red and/or flash in response to c customer pressing the
teller call button 110.
[0026] Optionally, as depicted in the illustrated example, the ATM
100 may further comprise one or more of a consumer face camera 112,
a 2-way video camera 114, a Near Field Communication (NFC)
interface 115, a keypad 116, a headphone jack 118, receipt printer
120, card reader 122, 2 dimensional, e.g., QR, barcode reader 124,
cash recycler 126, chest 128, countertop 130, and cash slot camera
132. As those skilled in the car can readily appreciate, other
embodiments may include any combination of the aforementioned
devices. For example, in embodiments where one or both of the first
display 104 and second display 106 are touch screens, there may not
be a keypad. Similarly, some embodiments, may have only a card
reader while other embodiments may only have a NFC interface for
identifying a customer. Other embodiments may have a cash dispenser
instead of a cash recycler. Still other embodiments may have a
deposit input for accepting cash, checks, and/or other
documents.
[0027] Any of the various embodiments of the dual display ATM 100
customer interfaces can also be implemented in outdoor,
through-the-wall or drive-up configurations, as depicted herein.
For example, FIG. 2 illustrates a illustrates an example of a
standalone ATM 200 which has a customer interface with first and
second displays 104, 106. FIG. 3 is 4 illustrates an example of an
ATM 300 in a through-the-wall configuration which has a customer
interface with first and second displays 104, 106. In an example
embodiment, the first display 104 of ATM 200 and/or 300 is fifteen
inches while the second display 106 is seven inches. In another
example embodiment, the first display 104 of ATM 200 and/or 300 is
nineteen inches while the second display 106 is seven inches. As
those skilled in the art can readily appreciate, ATM 200 or 300 may
also include any of the devices mentioned in the description of
FIG. 1 supra.
[0028] FIG. 4 is a logical block diagram illustrating an example of
a dual display interface 400 suitable for use with an ATM. The dual
display interface 400 comprises a first display 104 and a second
display coupled with display logic 402. "Logic", as used herein,
includes but is not limited to hardware, firmware, software and/or
combinations of each to perform a function(s) or an action(s),
and/or to cause a function or action from another component. For
example, based on a desired application or need, logic may include
a software controlled microprocessor, discrete logic such as an
application specific integrated circuit (ASIC), a
programmable/programmed logic device, memory device containing
instructions, or the like, or combinational logic embodied in
hardware. Logic may also be fully embodied as software that
performs the desired functionality when executed by a
processor.
[0029] In an example embodiment, the first display 104 is a first
size (e.g., 15 or 19 inches) and has a first orientation, such as
for example, a generally vertical orientation as depicted in FIGS.
1-3. The second display 106 is a second size (e.g., 7 inches) that
is less than the first size and a second orientation that is
different from the first orientation (e.g., generally horizontal as
depicted in FIGS. 1-3).
[0030] In an example embodiment, the display logic 402 is operable
to allow a user to select a mode of operation for the first display
104 and the second display 106. In an example embodiment, the mode
of operation is selected from a group consisting of displaying
transaction information on the first display 104 while blanking the
second display 106, and displaying transaction information on the
second display 106 while banking the first display 104. In another
example embodiment, the mode of operation is selected from a group
consisting of displaying transaction information on the first
display 104 while blanking the second display 106, displaying
transaction information on the second display 106 while banking the
first display 104 and toggling between displaying transaction data
on the first display 104 and displaying transaction on the second
display 106. In still yet another example embodiment, the mode of
operation is selected from a group consisting of displaying
transaction information on the first display 104 while blanking the
second display 106, displaying transaction information on the
second display 106 while banking the first display 104, and one of
a group consisting of concurrently and simultaneously displaying
information on both the first display 104 and the second display
106. In particular embodiments the display logic 402 is operable to
save a user selection as a default mode for the user.
[0031] In an example embodiment, the display logic 402 is operable
to display public data on the first display 104 and private data on
the second display 106. Examples of public data include, but are
not limited to, customer attention, advertisement, transaction
initiation data. Examples of private data include but are not
limited to, private transaction data, such as for example account
balance, account number, or transaction amount. The display logic
402 can be operable to allow a user to select a mode of operation
for the first display 104 and the second display 106. Example modes
of operation include, but are not limited to, displaying
transaction information on the first screen while blanking the
second display, displaying transaction information on the second
display while banking the first display, toggling between
displaying transaction data on the first display and displaying
transaction on the second display, and simultaneously displaying
information on both the first display and the second display.
[0032] FIG. 5 is a logical block diagram illustrating an example of
an ATM 500 with first and second displays 104, 106. The display
logic 402 may operate as described in FIG. 4 supra. The ATM 500
further comprises ATM logic 502 which is operable to perform
financial transactions and can provide data to display on the first
display 104 and the second display 106. For example, the ATM logic
502 may be employed to implement the functionality described herein
for ATMs 100, 200, 300 described in FIGS. 1-3 respectively.
[0033] In an example embodiment, the ATM logic 502 is coupled with
an additional user interface device 504. The additional user
interface device 504 may be any one or more of (but not limited to)
a card reader (which may be configured for long-edge or short-edge
card insertion, such as a DIP reader), a NFC interface which can
allow a user to communicate with the ATM logic 502 using a portable
wireless device such as a mobile phone, a keypad, an encrypting PIN
pad, a headphone jack, one or more speakers, a receipt printer, an
EMV card reader, a service teller call light, a service teller call
button, a barcode (e.g., 2D or QR) reader, or a biometric reading
device.
[0034] In an example embodiment, the ATM logic 502 is coupled with
at least one transaction function device 506. Examples of a
transaction function device include, but are not limited to, a cash
dispenser, a cash recycler, a mixed deposit module (for example for
receiving cash and documents such as checks), a cash deposit
module, a document deposit module and a document output device
(e.g., can provide printed checks, money orders, or other
documents).
[0035] In an example embodiment, the ATM logic 502 is coupled with
a communication interface 508 that allows the ATM logic 502 to
communicate with a remote host (or a plurality of remote hosts)
510. For example, the ATM logic may communicate with a remote host
510 to authenticate a user. The user may employ any user device,
such as the first display 104, second display 106, or additional
user interface device 504 (or any combination of use interface
devices) to provide data representative of the user, and in
particular embodiments, data representative of a PIN. The ATM logic
502 communicates with the remote host 510 to authenticate the data
representative of the user and data representative of a PIN. Upon
authenticating a user, the ATM logic 502 may obtain from the remote
host 510, data representative of accounts associated with the user.
The ATM logic 502 receives data representative of a transaction
from any one or more user interface devices such as first display
104, second display 106, or additional user interface device 504.
For some transactions, the ATM logic can obtain authorization for
the transaction by communicating with remote host 510. For example,
the ATM logic 502 may obtain authorization for a cash withdrawal
transaction, and responsive to receiving authorization for the
transaction employ a transaction function device 506 to provide
cash to the user. As those skilled in the art can readily
appreciate, different remote hosts may be employed for
authenticating a user and authorizing a transaction.
[0036] FIG. 6 is a block diagram of a computer system 600 upon
which an example embodiment can be implemented. The computer system
600 can be employed to implement the dual screen interface
described in FIGS. 1-4, and for implementing display logic 402
described in FIGS. 4 and 5 and/or the ATM logic 502 described in
FIG. 5.
[0037] Computer system 600 includes a bus 602 or other
communication mechanism for communicating information and a
processor 604 coupled with bus 602 for processing information.
Computer system 600 also includes a main memory 606, such as random
access memory (RAM) or other dynamic storage device coupled to bus
602 for storing information and instructions to be executed by
processor 604. Main memory 606 also may be used for storing a
temporary variable or other intermediate information during
execution of instructions to be executed by processor 604. Computer
system 600 further includes a read only memory (ROM) 608 or other
static storage device coupled to bus 602 for storing static
information and instructions for processor 604. A storage device
610, such as a magnetic disk or optical disk, is provided and
coupled to bus 602 for storing information and instructions.
[0038] In an example embodiment, computer system 600 is coupled via
bus 602 to first 104 and second 106 displays. An aspect of the
example embodiment is related to the use of computer system 600 for
implementing an automated transaction machine with a dual customer
interface displays. According to an example embodiment, an
automated transaction machine with a dual customer interface
displays is provided by computer system 600 in response to
processor 604 executing one or more sequences of one or more
instructions contained in main memory 606. Such instructions may be
read into main memory 606 from another computer-readable medium,
such as storage device 610. Execution of the sequence of
instructions contained in main memory 606 causes processor 604 to
perform the process steps described herein. One or more processors
in a multi-processing arrangement may also be employed to execute
the sequences of instructions contained in main memory 606. In
alternative embodiments, hard-wired circuitry may be used in place
of or in combination with software instructions to implement an
example embodiment. Thus, embodiments described herein are not
limited to any specific combination of hardware circuitry and
software.
[0039] The term "computer-readable medium" as used herein refers to
any medium that participates in providing instructions to processor
604 for execution. Such a medium may take many forms, including but
not limited to non-volatile media. Non-volatile media include for
example optical or magnetic disks, such as storage device 610.
Common forms of computer-readable media include for example floppy
disk, a flexible disk, hard disk, magnetic cards, paper tape, any
other physical medium with patterns of holes, a RAM, a PROM, an
EPROM, a FLASHPROM, CD, DVD or any other memory chip or cartridge,
or any other medium from which a computer can read.
[0040] Described above are example embodiments. It is, of course,
not possible to describe every conceivable combination of
components or methodologies, but one of ordinary skill in the art
will recognize that many further combinations and permutations of
the example embodiments are possible. Accordingly, this application
is intended to embrace all such alterations, modifications and
variations that fall within the spirit and scope of the appended
claims interpreted in accordance with the breadth to which they are
fairly, legally and equitably entitled.
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