US 6,289,319 Claim Chart
US 6,289,319 (Lockwood)
1.pre. An automatic data
processing system for processing
business and financial
transactions between entities from which cooperate with the central data processing equipment
remote sites which comprises:
1.a. a central processor
programmed and connected to
process a variety of inquiries and processor 19 under control of the timing and control
orders transmitted from said
remote sites;
1.b.i. said central processor
including:
1.b.ii. means for receiving
information about said
transactions from said remote
sites;
1.b.iii. means for retrievably
storing said information;
1.b.iii. at least one terminal at “The system includes, by way of illustration, a pair of
each of said remote sites
including a data processor and
operational sequencing lists of
program instructions;
1.b.iv. means for remotely
linking said terminal to said
central processor and for
transmitting data back and forth via appropriate data links).” See ’672 Patent at 5:17-21.
between said central processor
and said terminal;
1.c.i. said terminal further
comprising means for dispensing
information and services for at
least one of said entities
including:
US 4,321,672 (Braun)
“The foregoing and other problems of the prior art are
solved by the system of this invention which utilizes a
number of unique peripheral data processing terminals
of a financial institution to automatically process the
details of a transaction.” See ’672 Patent at 2:28-34.
“The communications controller 56 also includes receiving
circuits 66 which receive signals from the central data
circuits 60 for routing to an input message buffer 62 feeding
the ATM terminal 25.” See ’672 Patent at 8:25-29.
See supra, 1.a.
“The function of the microprocessor 46 is to assemble the
various data presented by the account holder into messages
for transmission to a data processor at a financial institution,
to control the transmission and reception of messages from
the data processor, and to present data back to the account
holder.” See ’672 Patent at 7:59-64.
“The account balance information stored in the customer
account file at the processor 19 . . . .” See ’672 Patent at
15:7-8.
terminals 11, 12 each having an internal microprocessor,
input-output console and communications controller and a
second pair of terminals 13, 14 cooperating with a shared
microprocessor 15.” See ’672 Patent at 4:39-44.
“Each of these terminals 16, 18 may communicate with
the central switching and processing center 22 via its
own associated data processor 19' or 19" respectively (and
"The terminals 11-14 cooperate, through a data link 17,
with the data processing center or processor 19 of the
financial institution which maintains the terminals 11-14."
See ’672 Patent at 4:51-54.
See supra, 1.b.iv.
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1.c.ii. a video screen;
1.c.iii. means for holding
operational data including
programing, informing, and
inquiring sequences of data;
1.c.iv. means for manually
entering information;
1.c.v. means for storing
information, inquires and orders transfers a digital signal representing this information via
for said transactions entered by
one of said entities via said means 42. The executive program 45 of the microprocessor 46
for manually entering
information, and data received
through and from said central
processor;
“The ATM terminal 25 shown in FIG. 2 has an input-output
console 26 which includes a number of elements visible in
whole or in part to the user, namely a transaction selector
panel 27, a customer instruction sequence panel 27a, a status
command panel 28, a keyboard 29, a video display
subsystem 30, including a display screen 31 (which can also
be used for customer instruction sequencing instead of
panel 27a) . . . .” See ’672 Patent at 5:55-62.
“The microprocessor 46 receives input signals from the
transaction selector 27 via the input selector gates 41 and the
input message shift register 42 and transfers digital signals
in output message format to an output message shift register,
which may form a part of output circuits 48 in the
microprocessor 46 itself. Here messages are held until
receipt of an "Enter" signal from the keyboard 29. The
messages are sent from the output circuits 48 to a
microprocessor output message buffer 58 in a
communications controller 56.” See ’672 Patent at 8:11-20.
“The microprocessor 46, (FIG. 2), guides the customer
through the steps of the transaction by causing the
appropriate instruction to be illuminated. A ‘clear’
button on the keyboard 29 enables the sequence to be
restarted.” See ’672 Patent at 6:15-19.
“The ATM terminal 25 shown in FIG. 2 has an input-output
console 26 which includes a number of elements visible in
whole or in part to the user, namely a transaction selector
panel 27, a customer instruction sequence panel 27a, a status
command panel 28, a keyboard 29, a video display
subsystem 30, including a display screen 31 (which can also
be used for customer instruction sequencing instead of panel
27a), . . . . The console 26 is used by an account holder for
entering details as to amounts and the nature of financial
transactions to be executed by the system.” See ’672 Patent
at 5:58-6:1-3.
“The code reader 38 derives the account information and
the input selector gates 41 to the input message shift register
causes a shift of information from the input message shift
register 42 to storage in memory 47 under control of the
output message format program in the applications
programs 44 of the microprocessor 46. The output message
format program stores the account information in an
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1.c.vi. on-line means for
transmitting said information,
inquiries, and orders to said
central processor;
1.c.vii. on-line means for
receiving data comprising
operator-selected information and
orders from said central processor
via said linking means;
1.c.viii. means for outputting
said informing and inquiring
sequences on said video screen in
accordance with preset routines
and in response to data entered
through said means for entering
information;
1.c.ix. means for controlling said
means for storing, means for
outputting, and means for
transmitting, including means for
fetching additional inquiring
sequences in response to a
plurality of said data entered
through said means for entering
and in response to information
received from said central
processor;
1.c.x. said informing sequences
including directions for
operating said terminal, and for
presenting interrelated segments
of said operational data describing
a plurality of transaction
operations;
1.c.xi. said programming
sequences including means for
interactively controlling the
appropriate location of memory 47.”
See ’672 Patent at 12:67-13:8.
Another feature resides in the assembly at the terminal of
customer or operator entered information, machine read
information and predetermined information so that the
essentials of the transaction can be transmitted efficiently
to the financial institution, without complex input
procedures.” See ’672 Patent at 3:32-37.
“When the debiting operation has been completed at the
customer's financial institution and the customer's account
debited and the financial institution's account credited in the
memory of data processor 19 or 23 the data processor 19
transmits back to the terminal 25 via the data link 17 an
authorization message which contains the information
needed for completion of the particular transaction at the
terminal." See ’672 Patent at 15:27-44.
“The ATM terminal 25 shown in FIG. 2 has an input-output
console 26 which includes a number of elements visible in
whole or in part to the user, namely a transaction selector
panel 27, a customer instruction sequence panel 27a, a status
command panel 28, a keyboard 29, a video display
subsystem 30, including a display screen 31 (which can also
be used for customer instruction sequencing instead of panel
27a), . . . .” See ’672 Patent at 5:55-62.
“The function of the microprocessor 46 is to assemble the
various data presented by the account holder into messages
for transmission to a data processor at a financial institution,
to control the transmission and reception of messages from
the data processor, and to present data back to the account
holder. Therefore, the applications programs 44 of the
microprocessor 46 include a message format program for
assembling the data from the various sources.” See ’672
Patent at 7:59-67.
“The customer operating the ATM terminal is guided
through the entire sequence in direct and unambiguous
fashion, utilizing the transaction selector panel 27, the
customer instruction sequence panel 27a (or video display
screen 31 as previously described) and the status command
panel 28 (FIG. 4).” See ’672 Patent at 18:57-62.
“The communications controller 56 also includes receiving
circuits 66 which receive signals from the central data
processor 19 under control of the timing and control circuits
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operation of said video screen, 60 for routing to an input message buffer 62 feeding the
data receiving and transmitting ATM terminal 25.” See ’672 Patent at 8:25-29.
means; and for selectively
retrieving said data from said “The customer's financial institution accesses its database,
means for storing; through use of the respective reference number, and
retrieves the following characteristics of the transaction:
date and time of transaction, terminal location and terminal
I.D. (ATM or POS) servicing financial institution.” See ’672
Patent at 27:8-13.
1.c.xii. said means for storing “After verification of customer identity by the data
comprising means for retaining processor 19 or 23, the transaction information, such as a
said operational sequencing list transaction requesting cash withdrawal from savings, selects
and means responsive to the status the particular routine from program memory.” See ’672
of the various means for Patent at 15:3-6.
controlling their operation;
“The microprocessor 46, (FIG. 2), guides the customer
through the steps of the transaction by causing the
appropriate instruction to be illuminated. A "clear"
button on the keyboard 29 enables the sequence to be
restarted.” See ’672 Patent at 6:15-19.
1.d.i. said central processor See supra, 1.a.
further including:
1.d.ii. means responsive to data “In the customer instruction sequence panel 27a, a group
received from one of said of four customer instruction sequence lights identify,
terminals for immediately serially as they are used, the basic steps of (1) placing
transmitting selected stored the check in the slot, (2) keying in the PIN, (3) selecting
information to said terminal; and the transaction and (4) keying in the dollar amount.” See
’672 Patent at 19:7-12.
1.d.iii. means responsive to an “The customer files are updated, and subsequently, the
order received from a terminal customer's statements including the electronic funds
for updating data in said means transfers effected using the unit record . . .” See ’672 Patent
for storing; at 9:57-59.
1.e. whereby said system can be “As described in greater detail in conjunction with FIG. 2
used by said entities, each using below, the terminals 11-14 are microprocessor controlled, in
one of said terminals to exchange order to provide flexible and real time interaction
information, and to respond to between the user, the different subsystems of the terminal
inquiries and orders itself and the central system and remote units with which the
instantaneously and over a period terminal cooperates.” See ’672 Patent at 5:33-39.
of time.

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