| Reference | Claim Element / Subject Matter | Feature | Meaning | Claim Construction & Interpretation |
|---|---|---|---|---|
| [1] |
1 . A method [1] |
method [1] |
[Meaning 1] process [Meaning 2] system [Meaning 3] methods [Meaning 4] computerized method [Meaning 5] business method [Meaning 6] system method [Meaning 7] method for [Meaning 8] method and system [Meaning 9] method of inter [Meaning 10] system for inter [Meaning 11] method for the purpose [Meaning 12] method for reducing the cost [Meaning 13] central system and associated method [Meaning 14] financial transaction method for the purpose |
[Interpretation 1] financial transaction method for an atm of an institution that includes the step [Interpretation 2] financial transaction method for use in an atm system for the purpose |
| [2] | of interfacing [2] | interfacing [2] |
[Meaning 1] interacting [Meaning 2] communicating [Meaning 3] dealing [Meaning 4] interface [Meaning 5] facilitating interaction [Meaning 6] electronically communicating [Meaning 7] inter working [Meaning 8] controlling an interface [Meaning 9] inter ali linking [Meaning 10] interface and communication [Meaning 11] inter inter ali [Meaning 12] printing an atm transaction receipt [Meaning 13] managing an atm transaction conducted [Meaning 14] providing an electronic receipt shared |
[Interpretation 1] sending an atm transaction receipt to one of select customers via pre stored customer electronic addresses of select customers inter ali operating [Interpretation 2] sending an atm transaction receipt to an atm card used |
| [3] | by an ATM with a customer [3] | customer [3] |
[Meaning 1] user [Meaning 2] client [Meaning 3] person [Meaning 4] transaction [Meaning 5] select customer [Meaning 6] financial institution [Meaning 7] remote customer [Meaning 8] customer electronically [Meaning 9] mobile wireless device [Meaning 10] customer to register [Meaning 11] person in proximity [Meaning 12] remote electronic address [Meaning 13] user of the atm [Meaning 14] person at the atm |
[Interpretation 1] customer to receive an atm transaction receipt from the customer being in proximity to the atm and [Interpretation 2] mobile wireless device of the customer for the purpose of printing an atm transaction receipt [Interpretation 3] client at an atm in proximity to the atm for printing transaction receipts [Interpretation 4] financial institution for the purpose of providing an electronic atm transaction receipt [Interpretation 5] mobile wireless device of an atm customer to obtain electronic receipts [Interpretation 6] customer to receive and print out an atm transaction receipt |
| [4] | for a financial transaction [4] | transaction [4] |
[Meaning 1] institution [Meaning 2] service [Meaning 3] account [Meaning 4] product [Meaning 5] institution transaction [Meaning 6] atm transaction [Meaning 7] service transaction [Meaning 8] transaction at atm [Meaning 9] transaction by the customer [Meaning 10] account of the customer [Meaning 11] service at the atm [Meaning 12] instrument at the atm [Meaning 13] transaction at the financial institution [Meaning 14] transaction at the atm transaction receipt |
[Interpretation 1] account in an atm transaction at the atm of the financial institution [Interpretation 2] service at the atm in lieu of contact with an atm card |
| [5] | , comprising (wherein the method comprises, the method consisting of, comprising the method of, characterized in that it comprises, comprising at least one of, the method comprising at least, in which method the method comprises) the steps of : providing (providing to the customer, at least partially providing, establishing by the atm, inter ali with providing, providing by the financial institution, access by the customer to, connecting via an internet to) a central system [5] | system [5] |
[Meaning 1] systems [Meaning 2] server [Meaning 3] computer [Meaning 4] station [Meaning 5] computer system [Meaning 6] management system [Meaning 7] processing system [Meaning 8] control system [Meaning 9] system configured [Meaning 10] financial institution system [Meaning 11] electronic control system [Meaning 12] system having logic [Meaning 13] system of an institution [Meaning 14] computer based management system |
|
| [6] | for managing (monitoring and controlling the, central control of the, controlling the operation of, the purpose of controlling the, controlling the financial transactions and) operations [6] | operations [6] |
[Meaning 1] operation [Meaning 2] transactions [Meaning 3] customers [Meaning 4] an inventory [Meaning 5] electronic operations [Meaning 6] remote control [Meaning 7] customer accounts [Meaning 8] and controlling operation [Meaning 9] an electronic network [Meaning 10] at least operations [Meaning 11] customer electronic addresses [Meaning 12] the operation and maintenance [Meaning 13] at least one bank [Meaning 14] an account of customers |
[Interpretation 1] an atm transaction at the atm by the customer and for managing operations |
| [7] | of ATMs of a financial institution [7] | institution [7] |
[Meaning 1] organization [Meaning 2] establishment [Meaning 3] network [Meaning 4] facility [Meaning 5] service provider [Meaning 6] transaction network [Meaning 7] processing network [Meaning 8] institution network [Meaning 9] transaction processing system [Meaning 10] system for financial transactions [Meaning 11] institution and the customer [Meaning 12] network of atm systems [Meaning 13] service provider and the customer [Meaning 14] processing system for processing financial transactions |
[Interpretation 1] processing system for processing financial transactions by the customer at the atm by using customer identifying data from an atm card [Interpretation 2] service provider and for managing financial transactions by customers at the atm by using customer electronic addresses of the atm customers [Interpretation 3] institution and for managing financial transactions by customers at the atm in lieu of an atm card |
| [8] | , wherein the central system [5] has a CPU , a memory [8] | memory [8] |
[Meaning 1] storage [Meaning 2] database [Meaning 3] processor [Meaning 4] nonvolatile memory [Meaning 5] system memory [Meaning 6] computer memory [Meaning 7] local memory [Meaning 8] memory device [Meaning 9] plurality of memory [Meaning 10] network accessible memory [Meaning 11] processor readable memory [Meaning 12] memory coupled thereto [Meaning 13] network interface and memory [Meaning 14] communication interface and memory |
[Interpretation 1] display and an input device for input of data to the central system and for output of data from the central system to display [Interpretation 2] storage device and an atm interface for communicating with the atm and wherein the central system has an electronic address book having memory [Interpretation 3] storage device for storing data and instructions for the central system and having at least one electronic memory [Interpretation 4] rom and ram memory for storing data and program instructions for operation of the central system [Interpretation 5] storage device for storing data and instructions and having an electronic address stored in the memory [Interpretation 6] ram and an rom and further has an atm logic stored in the rom for operation [Interpretation 7] ram and an rom and further has an internet protocol address server in the rom [Interpretation 8] processor having an operating system and an application program stored in the memory [Interpretation 9] display connected to the cpu and having an input and an output [Interpretation 10] communication interface for communicating with the atm logic and the atm [Interpretation 11] ram and an rom for storing data and for operating programs |
| [9] | , a central system logic [9] | system logic [9] |
[Meaning 1] logic [Meaning 2] application [Meaning 3] software [Meaning 4] program [Meaning 5] processor [Meaning 6] systems logic [Meaning 7] control logic [Meaning 8] processing logic [Meaning 9] system logic program [Meaning 10] system logic that is [Meaning 11] processing unit operating system [Meaning 12] system logic that is electronically [Meaning 13] processing unit central processing unit logic [Meaning 14] system logic and central system software |
[Interpretation 1] transaction management application program stored in the memory and operating in the cpu and an atm management application program [Interpretation 2] processing unit logic for controlling the central processing unit logic by executing central system software [Interpretation 3] processor logic for controlling the central system and the atm and for executing computer programs [Interpretation 4] operating system and an application program interface api that are |
| [10] | stored (comprising program instructions stored, for managing operations stored, that is tangibly stored, and program code stored, comprising an operating system stored, and central system software stored, that is pre program stored) in the memory [8] and operating [10] | operating [10] |
[Meaning 1] executable [Meaning 2] executing [Meaning 3] running [Meaning 4] operable [Meaning 5] executing instructions [Meaning 6] program executed [Meaning 7] capable of execution [Meaning 8] configured for execution [Meaning 9] executed by software [Meaning 10] executing when loaded [Meaning 11] an atm logic stored [Meaning 12] having instructions for execution [Meaning 13] central system software running [Meaning 14] executing by an operating system |
[Interpretation 1] wherein the central system logic is configured to control the central system for managing operations of atm systems and to execute an application stored [Interpretation 2] operable to control the central system for managing operations of atm machines and the central system logic executing [Interpretation 3] executing by the cpu and controlling the central system logic by an application executing [Interpretation 4] having at least one of an operating system and an application program executing [Interpretation 5] having at least one of an application and an operating system executing [Interpretation 6] executing by the cpu and having at least one program module executing [Interpretation 7] configured to execute one or more central system applications stored |
| [11] | in the CPU , and a central system database server [11] | system database server [11] |
[Meaning 1] database [Meaning 2] server [Meaning 3] system [Meaning 4] logic [Meaning 5] memory [Meaning 6] database server [Meaning 7] system database [Meaning 8] server database [Meaning 9] database server connected thereto [Meaning 10] database server in the memory [Meaning 11] server having database storage means [Meaning 12] data storage system having database server |
[Interpretation 1] system database server in communication with the cpu and the memory for storing customer identifying data and customer electronic address data [Interpretation 2] database server for storing customer identifying data from atm cards of the financial institution and customer electronic addresses of select customers [Interpretation 3] systems database server for storing customer identifying data and customer electronic addresses of select customers for access by the central system [Interpretation 4] data storage device for storing customer identifying data and for storing by the central system logic [Interpretation 5] transaction database server for storing customer identifying data for identifying the customer at the atm [Interpretation 6] server database server in communication with the cpu and with the memory [Interpretation 7] system database server in communication with the central system logic |
| [12] | , wherein pre-storing [12] | pre-storing [12] |
[Meaning 1] storing [Meaning 2] stored [Meaning 3] receiving [Meaning 4] providing [Meaning 5] being stored [Meaning 6] previously stored [Meaning 7] storing electronically [Meaning 8] the central system logic stores [Meaning 9] pre is stored in memory [Meaning 10] at least one pre is stored [Meaning 11] pre is stored in and accessible |
[Interpretation 1] in the central system database server is pre stored customer electronic addresses of select customers of the financial institution and wherein is electronically accessible [Interpretation 2] at least one of the central system logic and the central system database server has an electronic address database for storing electronically |
| [13] | by the central system database server customer [13] | system database server customer [13] |
[Meaning 1] system [Meaning 2] logic [Meaning 3] customer [Meaning 4] server [Meaning 5] database [Meaning 6] system customer [Meaning 7] logic customer [Meaning 8] server customer [Meaning 9] database server [Meaning 10] database server of the central system customer [Meaning 11] processor in the central system database server |
|
| [14] | electronic addresses [14] | addresses [14] |
[Meaning 1] address [Meaning 2] accounts [Meaning 3] identities [Meaning 4] mail addresses [Meaning 5] communications addresses [Meaning 6] address information [Meaning 7] addresses respectively [Meaning 8] and physical addresses [Meaning 9] addresses for each [Meaning 10] address data sets [Meaning 11] data including electronic addresses [Meaning 12] addresses in the atm [Meaning 13] locations in the atm [Meaning 14] addresses in the central system |
[Interpretation 1] electronic addresses of select customers for electronic communication with mobile wireless devices [Interpretation 2] data addresses of select customers for electronic transmission of atm transaction receipts |
| [15] | of select customers [15] | customers [15] |
[Meaning 1] customer [Meaning 2] users [Meaning 3] clients [Meaning 4] consumers [Meaning 5] financial customers [Meaning 6] authorized customers [Meaning 7] customers therein [Meaning 8] customer accounts [Meaning 9] customers is provided [Meaning 10] individuals is provided [Meaning 11] ones of the customers [Meaning 12] customers of the atm [Meaning 13] accounts of select customers [Meaning 14] customer in the memory |
[Interpretation 1] customers in the central system database server is in accordance with customer identifying data received from an atm card reader [Interpretation 2] users of the atm of the financial institution for financial transactions [Interpretation 3] users of the atm of the financial institution is provided |
| [16] | ; providing an ATM , wherein the ATM has a printing mechanism [16] | printing mechanism [16] |
[Meaning 1] printer [Meaning 2] printing [Meaning 3] display [Meaning 4] housing [Meaning 5] printer mechanism [Meaning 6] mechanical printing mechanism [Meaning 7] printing mechanism therein [Meaning 8] customer interface printing mechanism [Meaning 9] communication interface for inter [Meaning 10] cpu and memory unit [Meaning 11] printer having an printing mechanism [Meaning 12] customer interface with an input device [Meaning 13] cash input mechanism and an output mechanism [Meaning 14] display screen for displaying an atm transaction receipt |
[Interpretation 1] communication interface for inter interface with the central system for managing operations of atm of the financial institution and further has an printing mechanism [Interpretation 2] cpu and an atm logic for controlling the cpu for managing operations of the atm and has an printing mechanism [Interpretation 3] cpu and an atm logic for controlling an atm transaction by the customer at the [Interpretation 4] display screen and an input device for displaying customer information and an atm printer [Interpretation 5] user interface for receiving customer identifying data from an atm card inserted therein [Interpretation 6] display screen for displaying an atm transaction receipt on the display screen thereof [Interpretation 7] cpu and an atm logic for controlling printing mechanism and has an interface [Interpretation 8] communication interface for inter communicating with the central system logic |
| [17] | and an ATM logic [17] | ATM logic [17] |
[Meaning 1] logic [Meaning 2] interface [Meaning 3] engine [Meaning 4] input [Meaning 5] atm logic [Meaning 6] associated logic [Meaning 7] embedded logic [Meaning 8] internal logic [Meaning 9] electronic logic [Meaning 10] operating atm logic [Meaning 11] atm logic therein [Meaning 12] interface for inter [Meaning 13] atm logic in the cpu [Meaning 14] internal memory storing atm logic |
[Interpretation 1] operating system for operating the printing mechanism by the cpu and having an atm logic [Interpretation 2] internal memory for storing atm logic for managing operations of the atm of the customer [Interpretation 3] associated atm logic for controlling the printing mechanism and for inter |
| [18] | , wherein the ATM logic [17] controls (is configured to control, controls the operation of, provides an instruction to, has instructions for operating, includes logic for controlling, has the purpose of controlling, and the central system control) the printing mechanism [16] for printing (the purpose of printing, printing by the atm, causing the printing of, at least partially printing, generating and printing electronically, causing the atm to print, at least printing at least) an ATM transaction receipt [18] | ATM transaction receipt [18] |
[Meaning 1] receipt [Meaning 2] acceptance [Meaning 3] image [Meaning 4] acknowledgment [Meaning 5] electronic receipt [Meaning 6] transaction receipt [Meaning 7] receipt generated [Meaning 8] electronic receipt of an atm transaction |
[Interpretation 1] associated atm transaction receipt on the atm transaction receipt receiving the customer identifying data and payment [Interpretation 2] associated atm transaction receipt for the customer and for receiving customer input [Interpretation 3] automated transaction receipt for the atm transaction by the atm logic |
| [19] | for an ATM transaction [19] | ATM transaction [19] |
[Meaning 1] transaction [Meaning 2] interaction [Meaning 3] operation [Meaning 4] attempt [Meaning 5] financial transaction [Meaning 6] electronic transaction [Meaning 7] account held [Meaning 8] atm transaction initiated [Meaning 9] atm transaction being conducted [Meaning 10] atm transaction to be performed [Meaning 11] financial transaction of the financial institution [Meaning 12] account of the customer for atm transactions [Meaning 13] atm transaction in response to an atm transaction |
[Interpretation 1] account of the financial institution in response to receipt of customer identifying data from an atm card for the financial transaction that is presented [Interpretation 2] atm transaction in response to receipt of an atm transaction request initiated [Interpretation 3] customer to receive the financial transaction for the financial institution when presented |
| [20] | by the customer [3] at the ATM ; interfacing [2] by the ATM with the customer [3] , using a mobile wireless device [20] | device [20] |
[Meaning 1] telephone [Meaning 2] terminal [Meaning 3] handset [Meaning 4] communication device [Meaning 5] electronic device [Meaning 6] telephone device [Meaning 7] device identifier [Meaning 8] personal digital assistant [Meaning 9] device on behalf [Meaning 10] device of an individual [Meaning 11] network to obtain information [Meaning 12] telephone of the residence [Meaning 13] device for receiving identifying data [Meaning 14] network to receive identifying data |
[Interpretation 1] network and the atm logic for the purpose of receiving customer identifying data from an atm card and using biometric data [Interpretation 2] network and the central system logic for the financial transaction by receiving data from an electronic device [Interpretation 3] communication device of the customer to communicate with the central system for obtaining identifying data [Interpretation 4] communication device of the customer to communicate with at least one customer electronic address [Interpretation 5] network of the financial institution for receiving customer identifying data from mobile devices [Interpretation 6] telephone device of the customer to access an electronic address book |
| [21] | of the customer [3] for the purpose [21] | purpose [21] |
[Meaning 1] step [Meaning 2] purposes [Meaning 3] function [Meaning 4] atm transaction [Meaning 5] financial transaction [Meaning 6] electronic purpose [Meaning 7] customer step [Meaning 8] mobile wireless device [Meaning 9] customer in lieu [Meaning 10] electronic customer identification [Meaning 11] customer to be capable [Meaning 12] transaction in the form [Meaning 13] financial transaction as an indicator [Meaning 14] customer to perform an act |
[Interpretation 1] mobile wireless device to communicate with the central system database server via the central system logic to obtain data capable [Interpretation 2] mobile wireless device to communicate with the central system for managing operations of atm in lieu [Interpretation 3] customer to communicate with the central system for the atm transaction and [Interpretation 4] financial transaction by the atm logic in response to one |
| [22] | of identifying (providing an indication of, the atm transaction without, identifying the customer and, transmitting identifying data of, receiving customer data from) the customer [3] being in proximity [22] | proximity [22] |
[Meaning 1] access [Meaning 2] transit [Meaning 3] possession [Meaning 4] relation [Meaning 5] physical proximity [Meaning 6] close proximity [Meaning 7] immediate proximity [Meaning 8] direct proximity [Meaning 9] and paying attention [Meaning 10] or paying in [Meaning 11] possession of and presented [Meaning 12] and out of proximity [Meaning 13] the atm and presented [Meaning 14] an atm room assigned |
[Interpretation 1] close proximity to the atm and transmitting customer identifying data from the customer mobile wireless device [Interpretation 2] and out of the atm and for sending the customer identifying data directly |
| [23] | to the ATM for the ATM transaction [19] in lieu of receiving (the atm logic reading, an atm card or, reading and input of, contact and without reading, using the atm for, an atm card or obtaining, contact with the atm using) customer [3] identifying data from an ATM card [23] | ATM card [23] |
[Meaning 1] acquirer [Meaning 2] operator [Meaning 3] employee [Meaning 4] individual [Meaning 5] external source [Meaning 6] atm server [Meaning 7] access point [Meaning 8] identification system [Meaning 9] identifying device [Meaning 10] access control system [Meaning 11] atm host computer [Meaning 12] electronic identification device [Meaning 13] existing atm system [Meaning 14] outside of the atm |
[Interpretation 1] atm system for identifying the customer being in proximity to the atm [Interpretation 2] electronic identification card of the customer being in proximity to the atm [Interpretation 3] electronic identification card of the customer in the mobile wireless device |
| [24] | ; suppressing (generating an instruction for, causing the printing mechanism, controlling the atm for, initiating the atm transaction and, at least partially controlling the, wherein the atm logic controls, generating the atm transaction receipt for) printing [24] | printing [24] |
[Meaning 1] generation [Meaning 2] receipt [Meaning 3] issuance [Meaning 4] production [Meaning 5] the printing [Meaning 6] electronic printing [Meaning 7] automatic printing [Meaning 8] printing electronically [Meaning 9] or stopping printing [Meaning 10] at least printing [Meaning 11] the printing mechanism [Meaning 12] printing and sending [Meaning 13] printing by the atm [Meaning 14] at least one portion |
[Interpretation 1] an atm transaction receipt printed by the atm logic by the central system logic for preventing unauthorized printing [Interpretation 2] at least one of the atm transaction receipt and the customer identifying data instead [Interpretation 3] at least one of the atm transaction receipt and at least one portion [Interpretation 4] from the central system logic the atm transaction receipt upon printing [Interpretation 5] the printing mechanism of the atm for printing an image [Interpretation 6] from the central system logic the printing mechanism from printing [Interpretation 7] an atm transaction receipt from the atm for electronic storage |
| [25] | of the ATM transaction receipt [18] by the ATM logic [17] ; and sending (at least partially routing, selectively sending and receiving, automatically sending and forwarding, then sending and distributing, dis dis dispatch of, enabling the customer to send, at the atm automatically transmitting) electronically by the central system logic [9] the ATM transaction receipt [18] to one of the select customers [15] via the pre-stored customer [3] electronic addresses [14] of select customers [15] in the central system database server [11] . |