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US 6,289,319 Claim Chart

US 6,289,319 (Lockwood) US 4,321,672 (Braun)


1.pre. An automatic data “The foregoing and other problems of the prior art are
processing system for processing solved by the system of this invention which utilizes a
business and financial number of unique peripheral data processing terminals
transactions between entities from which cooperate with the central data processing equipment
remote sites which comprises: of a financial institution to automatically process the
details of a transaction.” See ’672 Patent at 2:28-34.
1.a. a central processor “The communications controller 56 also includes receiving
programmed and connected to circuits 66 which receive signals from the central data
process a variety of inquiries and processor 19 under control of the timing and control
orders transmitted from said circuits 60 for routing to an input message buffer 62 feeding
remote sites; the ATM terminal 25.” See ’672 Patent at 8:25-29.
1.b.i. said central processor See supra, 1.a.
including:
1.b.ii. means for receiving “The function of the microprocessor 46 is to assemble the
information about said various data presented by the account holder into messages
transactions from said remote for transmission to a data processor at a financial institution,
sites; 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.
1.b.iii. means for retrievably “The account balance information stored in the customer
storing said information; account file at the processor 19 . . . .” See ’672 Patent at
15:7-8.
1.b.iii. at least one terminal at “The system includes, by way of illustration, a pair of
each of said remote sites terminals 11, 12 each having an internal microprocessor,
including a data processor and input-output console and communications controller and a
operational sequencing lists of second pair of terminals 13, 14 cooperating with a shared
program instructions; microprocessor 15.” See ’672 Patent at 4:39-44.
1.b.iv. means for remotely “Each of these terminals 16, 18 may communicate with
linking said terminal to said the central switching and processing center 22 via its
central processor and for own associated data processor 19' or 19" respectively (and
transmitting data back and forth via appropriate data links).” See ’672 Patent at 5:17-21.
between said central processor
and said terminal; "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.
1.c.i. said terminal further See supra, 1.b.iv.
comprising means for dispensing
information and services for at
least one of said entities
including:

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1.c.ii. a video screen; “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.
1.c.iii. means for holding “The microprocessor 46 receives input signals from the
operational data including transaction selector 27 via the input selector gates 41 and the
programing, informing, and input message shift register 42 and transfers digital signals
inquiring sequences of data; 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.
1.c.iv. means for manually “The ATM terminal 25 shown in FIG. 2 has an input-output
entering information; 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.
1.c.v. means for storing “The code reader 38 derives the account information and
information, inquires and orders transfers a digital signal representing this information via
for said transactions entered by the input selector gates 41 to the input message shift register
one of said entities via said means 42. The executive program 45 of the microprocessor 46
for manually entering causes a shift of information from the input message shift
information, and data received register 42 to storage in memory 47 under control of the
through and from said central output message format program in the applications
processor; programs 44 of the microprocessor 46. The output message
format program stores the account information in an

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appropriate location of memory 47.”
See ’672 Patent at 12:67-13:8.
1.c.vi. on-line means for Another feature resides in the assembly at the terminal of
transmitting said information, customer or operator entered information, machine read
inquiries, and orders to said information and predetermined information so that the
central processor; essentials of the transaction can be transmitted efficiently
to the financial institution, without complex input
procedures.” See ’672 Patent at 3:32-37.
1.c.vii. on-line means for “When the debiting operation has been completed at the
receiving data comprising customer's financial institution and the customer's account
operator-selected information and debited and the financial institution's account credited in the
orders from said central processor memory of data processor 19 or 23 the data processor 19
via said linking means; 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.
1.c.viii. means for outputting “The ATM terminal 25 shown in FIG. 2 has an input-output
said informing and inquiring console 26 which includes a number of elements visible in
sequences on said video screen in whole or in part to the user, namely a transaction selector
accordance with preset routines panel 27, a customer instruction sequence panel 27a, a status
and in response to data entered command panel 28, a keyboard 29, a video display
through said means for entering subsystem 30, including a display screen 31 (which can also
information; be used for customer instruction sequencing instead of panel
27a), . . . .” See ’672 Patent at 5:55-62.
1.c.ix. means for controlling said “The function of the microprocessor 46 is to assemble the
means for storing, means for various data presented by the account holder into messages
outputting, and means for for transmission to a data processor at a financial institution,
transmitting, including means for to control the transmission and reception of messages from
fetching additional inquiring the data processor, and to present data back to the account
sequences in response to a holder. Therefore, the applications programs 44 of the
plurality of said data entered microprocessor 46 include a message format program for
through said means for entering assembling the data from the various sources.” See ’672
and in response to information Patent at 7:59-67.
received from said central
processor;
1.c.x. said informing sequences “The customer operating the ATM terminal is guided
including directions for through the entire sequence in direct and unambiguous
operating said terminal, and for fashion, utilizing the transaction selector panel 27, the
presenting interrelated segments customer instruction sequence panel 27a (or video display
of said operational data describing screen 31 as previously described) and the status command
a plurality of transaction panel 28 (FIG. 4).” See ’672 Patent at 18:57-62.
operations;
1.c.xi. said programming “The communications controller 56 also includes receiving
sequences including means for circuits 66 which receive signals from the central data
interactively controlling the 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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