CA2283513A1 - Method and system for automatic teller machine and associated service - Google Patents

Description

i , ~c..~ms.y o f Exlatlnsr Technolosrv l Business Method There are a large number of ATM or ABM (automated teller machine I automated bank machine) devices in existence. AIH generally consist d a cans reading device, a display, a modem, a printer and a cash dia~pensing device placed in a safe / cabinet to prevent theft of cash stored in cash dispenser. The trend in the ATM industry is to build less expensive devices, which can be operated profitably in low volume locations.
This generally is accomplished by mak:ing the safe portion of the machine less secure. These machines are designed to be operated under supervised conditions only during the business hours of the location where they are placed.
These types of devices have been widely distributed throughout North America resulting in an ATM industry, which is at the point of saturation. If any niche has not been serviced in this overcrowded marketplace it would be drive-up ATMs. Drive-up or drive-thru ATMs offer ultimate convenience to the customer. The relative costs, however, of building secure stand alone drive-up units is prohibitive Problo s with Exlstlnrr Technolonv Stand-alone drive-thru automated teller systems are extremely expensive due the amount of security that must be built into the structure. Large amounts of cash are left unattended in these ATMs 24 hours a day. There are real estate costs as well.
The ATMs need to be located in high traffic areas on a parcel of land large enough to accommodate an easy flow of vehicle traffic past the ATM.
~Summarv of Inwentlon There is an existing infrastructure existing in the fast food industry, which solves the problem of expensive real estate costs. There are tens of thousands of food franchises located in high traffic areas with existing drive-thnr areas designed for fast, convenient delivery of food items. Our system enables fast food restaurants to offer cash dispensing services to their customers through their existing drive-thru areas.
Security issues of leaving large amounts of cash unattended are overcome by moving cash dispenser inside the existing cashiers area of building.

Banaffta to Fast Food lndustrv 1. Profit - locations using this system receive a portion of the transaction fee that is charged to customer by their host bank each time an ATM transaction is made.
The location can also add a surcharge or convenience charge in addition to the bank's charges.

2. No Debit Fees - the fast food industry has traditionally been a cash business. To accommodate customers who do not have cash the location must either:
a. offer a source of shared cash dispensing i.e. our system.
b. employ a P05 (Point of Sale) system that allows customers to place purchase on a credit or debit card.
c. with POS systems the location must pay a fee to the bank network for each transaction processed. This is undesirable in the fast food industry where purchases are often made for small amounts.
d. with a shared cash dispensing system the location profits from each transaction and the customer pays the teas.

3. Incroased Sales - the ability to receive cash would act as a value-added feature of each location. Customers enticed to location for cash will purchase food items as well.

4. Promotions - the card reading device in this system will be capable of reading smart cards enabling location to inltl~e all kinds of promotions and customer loyalty programs to it's customers.

5. dash transfers - large amounts of cash that are generated through sales in restaurants that would ordinarily be physically transported to location's bank resulting in: a. associated risks of theft b. associated costs of armored car services c. time and travel will now be electronically transferred ~ location's bank account.
~ensfhs es a Caeh Dvllwrv System Current ATM transactions consisting of a private transaction between a machine and a customer are subject to dispute and steps must then be taken to try to verify that the particular customer did indeed receive the cash that they were entitled to.
Having cash dispensed at a cashier's window and intervention by the cashier allows for signed receipts to be obtained which prevents disputes.

i , Kay Polnts to lnventlon 1. Physical separation of cash dispenser from card reading device and other components.
2. Software components which interact with host's cash register system.
3. Software components which communicate to banking network that customer has received cash.

Existin ATM and POS Banking Technology Automated Teller Machines Current technology allows individuals to withdraw cash, deposit cash, and pay bills from their bank account at numerous locations. The availability of Automated Teller Machines or Automated Banking Machines (ATM or ABM) allow banking customers the versatility of reaching their money at almost any time or place. T'he banking industry has also permitted individuals to own and operate these machines in conjunction with the current banking networks.
The basis of the ATM is an interactive set of components put together with software to link the unit as a whole. The components consist of ~ A display screen ~ A keypad ~ A card reading device ~ A printer ~ A cash dispensing device ~ A central processing unit ~ A modem The function of the ATM is to provide banking customers access to their cash through the banking networks. Access to such a network is initiated by a bankcard that is read by the card reader after it is inserted into the machine.
The display screen provides instructions and information as to how to proceed with the transaction. Usually an access password or personal identification number (PII~ is required using the keypad along with the card. By following the specified instructions on the screen and inputting the proper access password as vvell as choosing the proper selections, the ABM
communicates through a modem (or another form of communication) to the banking network. The information pertaining to the account such as account number and access password is verified on the network. Upon verification, the transaction is performed and the funds transferred. This transaction consists of the transfer of funds from the banking customer's account to that of the owner of the ATM machine or whoever is supplying the cash to be dispensed. The completion of the transaction allows the cash dispenser to output the amount of cash requested. A printed receipt is then provided along with the return of the bankcard.
Further information regarding patented ABM's, their operations, and the principles they are based on can be obtained from the following list. Other patents with similar systems are also included.
USSb50604 2/1995 Neil et System and method for electronic al.

transfer of funds using an automated teller machine to dis ense the transferred funds US5350906 9/1994 Brody Currency transfer system and method usin fixed limit cards US5326960 7/1994 TannenbaumCurrency transfer system and method US4988849 1/1991 Sasaki Financial transaction s stem US4423316 12/1983 Sano et Automatic bankin s stem al.

US4408203 10/1983 Campbell Security system for electronic funds transfer s stem US375b256 1211971 Yoshihiro Automatic money dispensing et al. machine US5220501 6/1989 Lawlor Method and system for remote et al.

deliv of retail bankin services US3648020 3/1972 Tateisi Automatic deposit receiving et al. and cash dis eosin s stem US3652795 3/1972 Wolf et Tele hone transaction s al. stem US4017835 4/1977 Randol S stem for ven'f~in cg redit h status US4390968 6/1983 Hennessy Automated bank transaction et al. securi s stem US4594663 6/1986 Nagata Credit transaction processing et al.

s stem US5050207 9/1991 Hitchcock Portable automated teller machine The business method for the operation of AHM machines lies in accessing banking networks for a fee and/or surcharge. The banking customer is charged a certain fee for accessing the banking networks. Independent ABM machines are also allowed to place an additional swcharge for providing such a service. The underlying principle is that the service is provided at the expense of the end user, the banking customer.
Point of Sale Equipment (POS) Point of sale refers to a current banking network that allows the transfer of funds from a banking custotner's bank account to a vendor's as a form of payment for merchandise or services purchased. This service comes at the expense of the vendor for allowing such a form of payment. The components of the POS equipment are similar to those of the ABM except for the unavailability of a cash dispensing mechanism.
POS units are usually small handheld devices that contain a keypad, a screen, a card reader, a receipt printer, a central processing unit, and a modem. An example of a POS system is the Lipman 2060 unit. All components are contained within a single portable unit. Other than the existence of a cash-dispensing device on an AHM, the POS unit compromises of the same components with different software for different banking network access.
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Drive-Throu Restaurant Business Methodology Present day drive-through restaurants cater to individuals by supplying fast food through a window without requiring patrons to leave their cars. The idea is to quickly take orders and deliver them as the customers drive from the ordering booth to the picl~; up window. Usually the ordering booth consists of a menu and a microphone for the customer to place an order.
Once the order is placed, the customer drives up to the pickup window to receive their order. The customer may have to stop at a cashier window initially before the pick-up window. At the pickup or cashier window, the customer is required to pay for the merchandise. Currently there are two payment options: cash or povzt of sale transactions. Once the order is paid for, a receipt is produced and the merchandise is passed to the customer.
A POS transaction at the castuer requires the customer to use a small handheld device passed from or located at the drive-through window. The customer uses the device to swipe their bank or credit card, input the required password, and select: to pay for the merchandise. This transaction usually costs the restaurant some fee in order for the customer to have this service. The POS device may or may not be directly linked to the cash registers but the successful transaction is considered a cash sale.

The following list of patents provides a sample of drive-through restaurant set-ups as well as some information pertaining to the eguipment used in such setups.
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US4582172 4/1986 Takeuchi et Method and apparatus for al.

automatically giving and receiving orders and for making calculation thereof in restaurants and sho s US4569421 2/198b Tateisi et Terminal device for making al. payments for credit transactions US4553222 11/1985Kurtland et Integrated interactive restaurant al.

communication system for food and entertainment rocessin US4068213 1/1978 Nakamura et Checkout s stem al.

US4675515 3/198b Lucero Drive-through credit card payment device US4884662 3/1988 Cho et al. Driver interaction service center and method of o eratin such a center US3774723 11/1973Johnston. Food and fuel dispensing processes and structures therefor US4733754 3/1988 Acosta Drive-in service establishment g Benefits of the ATM & Drive-Through Combination An ATM unit placed at the ordering booth in a drive-through provides a new form of secured cash withdrawal for customers. Placing a food order as well as a monetary withdrawal transaction from the same booth renders the establishment a multipurpose stop for customers. It provides immediate cash for banking customers as well increased payment options.
Placing an ATM machine in a restaurant can provide many benefits to customers and patrons. The cash-withdrawal feature becomes a selling point for the establishment. Cash withdrawal not only creates more traffic at a location, it also entices customers to purchase items due to their relatively low cost. Restaurants and drive-through establishments pay a fee for using POS systems as an alternative; to cash. An ATM machine provides the customer with an alternative i:orm of payment as well as a reduced cost for the patron. The ATM transactions contribute a source of income for the restaurants or their owners due to the surcharge associated with each transaction. This may become a source of revenue instead of a cost as POS
systems create.
Building an ATM in the drive-through becomes an added convenience for customers as well. They can place an order for food and pick up their cash in the comfort of their vehicles. The security of having a dispenser in the pick-up window provides a safe environment for customers using the machines outside as well as a. reduced risk of theft or vandalism to the machine itself. Money retrieved from the dispenser or register after an ATM
transaction must be done by a cashier. This provides an added verification process that ensures the dispenser has not malfunctioned.
An ATM unit combined with the cash registers can allow the restaurant to use its current float as a means of cash dispensing. A communication link between the ATM and the cash register system allows the ATM to become a source of payment registered as a cash sale like a POS payment.

Step #1: The customer enters the drive-through and approaches the ordering booth.
Step #2: The customer drives up to the Intercoao/ATM ordering booth.
This booth is clearly represented in the second category to follow. The booth contains an intercom microphone and speaker in order for the customer and cashier to communicate.
It also contains a visible and easily accessable keypad, card swiping mechanism, screen, and printer for ATM transactions.
Not visible to the customer is the central processing unit within the booth to which the keypad, screen, printer, and swiping mechanism is connected. This booth is connected to the netwrok of cash registers inside the establishment as well as the optioanl cash dispenser inside the pickup or cashier booth.
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Step #3: The customer communicates with the cashier and places a food order. This is done automatically using the intercom microphone and speaker.
Step #4: The customer now has the option of making an ATM
transaction for cash withdrawl. If he/she chooses to do so, they simply swipe their card in the ATM terminal built into the booth. This automatically begins the transaction which is completed upon following the steps indicated by the machine.
A reciept of the ATM transaction is printed for the customer.
However, if the customer chooses not to use the ATM feature, they simply move on to the next step.
Step #5: The customer drives up to the order-pick up window to receive their order and cash advance if applicable. Only a reciept is dispensed by thE; ordering booth for verification purposes and as a transaction record.
Step #6: The cashier tallies and reports the final balance for the completed food purchase and ATM transaction. This is accomplished by the networked ATM system and Cash Register System (CRS) as outlined in the third category. The remainder of the balance is calculated as a final sum of an amount owing; .owing to the customer because of the ATM
transaction, or owing to the cashier for an alternative payment method for the order.
Step #7: The cashier gives the customer the food purchase along with the reciept for the purchase after payment. The reciept will have the final balance and the information pertaiaing to the transaction including payment method.
Step #8: The customer exits the drive-through.

Category 2' ATM and Cash Dispencer Separation The ATM terminal consists o:f a keypad, a card reading device, a viewing screen, a printer, a modem, and a central processing unit. Included will be the software in order for tr~ans~actions to be communicated and verified through the banking network. The cash dispenser along with its power supply will be in a separate location connected to the ATM terminal using long electrical and communication cables. The modem requires a land phone line in order to access the banking network. This may be replaced with a CDPD (Cellular Digital Packet Data) module to access the same network.
The following is a list of all applicable patents related to the CDPD modules and interface. This optional technology will be applicable as a more economically feasable solution to a land phone line.
US5353331 10/1994 Emery et Personal communications service al. ' on sin wireline/wireless inte u US5418844 5/1995 Motrissey _ et Automatic access to information al. service roviders US5533019 7/1996 Jayapalan Packet data in an anolog cellular radiotele hone s stem US5544222 8/1996 Robinson Cellular digital packet data et mobile a1, data base station US5610972 3/1997 Ecmry et Personal communications service al.

usin wireline/wireless inte ation The cash dispenser may be incorporated into the facilities's existing CRS by soflware/hardware interaction or replaced completely with the CRS
connected to the ATM terminal. Further information concerning the connection is reviewed in the third category.
The separation of the ATM terminal from the cash dispenser or register will allow the integration of this equipment with the existing ordering intercom r~

interface. This will allow the customer to place a food order then simply swipe a card through the ATM device and complete the transaction. Once the transaction has been verified through the banking network, the printer located at the ordering booth will print the customer a transaction receipt.
The establishment will also be notified of the completed transaction through a separate printer or by the cash register at the pick up or cashier window.

Category 3: ATM Terminal and CRS Interaction The ATM terminal may be attached to the CRS as an auxiliary payment method similar to current Point of Sale (POS) systems. The ATM
transaction is registered by the CRS as a form of payment similar to a gift certificate or a money voucher. The inclusion of a cash dispenser may be optional if the facility has a su~cient cash float to support daily ATM
transactions.
The connection of the ATM terminal to the CRS simply acts as an input/output connection through a communications port on both systems.
This connection will allow a direct link between the ATM and CRS. This link will allow the ATM to send a signal to the CRS indicating bow much money is withdrawn, which is inteipretted as a payment. Change is caculated as it would under other circumstances such as a POS transaction.
The software maintaining the connection between the CPU and CRS or that between the CPU and the cash dispenser wdl comply to current ATM
banking network regulations. To achieve this, the connection must be bidirecxional to provide the CPU with feedback concerning the dispensing of the cash. Dace the cash has been dispensed Properly, the CPU notifies the banldag nttwork that the transaction was completed successfully. This allows the banking network to perform the electornic funds transfer based on a successful completed transaction.
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CA 02283513 1999-09-23 i ATM Hardware Manufacturers Lipman USA Inc. NURIT ATM

NCR Personas ATM, 5070, 5670, 5674, 5675 Interbold & Diebold Cashsource Plus Triton Systems Inc. 95xx series Siemens Nixdorf CSC430, CSC450, CSC456 Fujitsu ICL 7000 series Digital WB21- WB25 Multimedia Business SAT 200/400 ATM
Machi~ies gel - Bull CP8 ATM Component Manufacturers NCR NCR 7193, 7194 Thermal rioter NCR NCR Touch Screen Touch screen interface MAGTEK IntelliStri a 60 Swi a card readers MAGTEK RS-232, MT-215232 Card insertion readers Delaroue Delaroue Dis eraserCash di eraser Triton Svstems CD Mechanism Cash dis eraser Inc.

Claims (3)

1. The steps to be followed at the ordering booth for customers to place a cash withdrawal order along with their food order. The steps include placing an order, placing a cash withdrawal order (optional), driving up to receive the food, cash advance (optional), and receipt at the drive-through window. The cash dispenser must be located at the drive-through pick up window or incorporated into the current cash registers.

2. The unique separation of the ATM terminal from the cash dispenser.
This allows the dispenser to be placed at a different more secure location than the terminal. It gives the customer better security at~~
making cash withdrawals from their vehicle as well as verification by a cashier on the cash dispensed.

3. The interaction between the ATM system and the cash registers. An ATM order can be noted by the cash register and used as a form of payment. The remainder of an order payment can be calculated if a cash withdrawal is conducted.