MXPA00005409A - Multi-transactional network architecture - Google Patents

Abstract

An automated transaction machine network which supports multiple-destination transactions and a variety of communication protocols (50&70) and/or message formats including standard and proprietary protocols and/or message formats. The automated transaction machine network includes a Super-ATM (Automatic/Automated Transaction Machine) (10) which interfaces with a variety of peripherals (60):standard-ATM (420) peripherals and/or sensors, and nonstandard ATM peripherals and/or sensors. The Super-ATM can process traditional ATM transactions, non-traditional ATM transactions and Point-of-sale (POS) transactions.

Description

NETWORK ARCHITECTURE FOR MULTIPLE TRANSACTIONS FIELD OF THE INVENTION The present invention relates, in a general manner, to a network architecture for processing multiple transactions, and more particularly, to automatic terminals for transactions, with capacity for multiple transactions.

BACKGROUND OF THE INVENTION Although conventional Automatic Cash Register Transaction Machines (ATMs) are convenient because they provide access to funds in a multitude of sites and after normal banking hours, and allow customers to avoid long lines, which are typical in savings and loans and in banks, convenience is limited. The convenience is limited due to the fact that conventional Automatic Cash Register Transaction Machines (ATMs) do not provide clients with services beyond normal banking transactions. What is needed is an Automatic Transaction Logging Machine with capacity for multiple transactions which is capable of accepting money, debit cards, credit cards.

REF .: 120407 credit, smart cards, and that is able to sell products and services. In conventional Automatic Transaction Logging Machines (ATMs), the events of these are single-destination transactions, that is, one transaction is sent to each of the Automatic Transaction Logging Machines (ATM) or only to the card issuer. credit. In the structure of the Super Automatic Transaction Logging Machine (ATM), multiple-destination transactions are supported where one transaction can result in different messages being sent to any number of destinations. Previously, only published, the groups of protocols / standard messages of the industry were supported for all communication along the way of the transaction, when limiting the types of transaction to those defined in the document ISO 8583. In the system of the Super The Automatic Transaction Logging Machine (ATM), an unlimited number and a combination of "standard" property protocols or groups of messages can be used to facilitate a transaction, and the ISO 8583 document is only used for the part of a message that requires authorization from an Automatic ATM Transaction Registration Machine or from a credit card issuer. In the past, the bank and the regional network programs were not able to receive credit card (POS) transactions through the Automatic Cash Registers of ATM Operations, due, among other things, to the paradigm of the payment of fees for standard transactions in the Automatic ATM Transaction Cash Register Machine (the issuer pays the shipping costs), directly, to POS credit card transactions (acquiring the payment of costs). In contrast, the proprietary protocol of the Super Automatic ATM Transaction Register Machine and the base computer register and report the transactions of the Automatic ATM Transaction Registration Machine and the POS credit card transactions (Point of Sale), in a manner separate, for payment purposes, and appear as if originated by separate terminals of the Automatic ATM Transaction Registration Machine or by POS credit card transaction terminals (Point of sale).

SUMMARY OF THE INVENTION - A preferred embodiment of the present invention includes an automatic terminal for transactions, by means of - for example, an Automatic ATM Transaction Register Machine with not previously supplied capabilities (Super-ATM), it may process any number or subset of a variety of transactions. The automatic terminal for transactions communicates with a variety of service providers in the protocols and message formats of service providers. The automatic terminal for transactions, in response to a first user data entry can execute a transaction with a first service provider by sending a message to the first service provider in the message format of the first service provider, and the automatic terminal for transactions, in response to a second user data entry, you can execute another transaction with a second service provider by sending a message to the second service provider in the message format of the second service provider. In another embodiment of the present invention, the automatic terminal for transactions, in response to a user's data entry, can execute a transaction with several service providers by sending messages to the service providers in their respective message formats.

In yet another embodiment of the present invention, the automatic terminal for transactions can send a message to a service provider, which then returns the message to the automatic transaction terminal, after which the automatic transaction terminal, based on the return message, automatically selects another service provider to execute a transaction with and sends a message to the selected service provider. A number of embodiments of the present invention are applicable, in particular, to the machines that provide a series of services, which include standard services in the Automatic ATM Transaction Register Machine, and services not previously available in the Automatic Cash Register Machine. ATM operations, through a new proprietary network architecture for Automatic ATM Transaction Reporting Machines that overcomes the limitations of the Automatic ATM / Point-of-sale (POS) ATM Transaction ATM Group. of the International Standardization Organization (ISO) 8583. The machine can also perform kiosk-type functions that do not require critical network support.

The essential differences between the structure of the Super Automatic ATM Transaction Recording Machine and the conventional network architecture of the Automatic ATM Transaction Recording Machine are: (1) The Super Automatic ATM Transaction Recording Machine supports transactions for multiple destinations, more than support transactions only for a single destination; (2) the Super Automatic ATM Transaction Register Machine supports a variety of protocols rather than supporting only industry standard protocols; and (3) the Super Automatic ATM Transaction Register Machine supports POS Point of Sale transactions, in addition to ATM Transaction Automatic Transaction Machine transactions, rather than supporting only the Transactions of the Automatic ATM Transaction Recording Machine. A preferred embodiment of the present invention is directed to an integrated terminal for financial transactions that meets the need for greater convenience of the user, by allowing the user to perform a variety of transactions, from bill paying to making purchases, and use a variety of means of payment, which includes coins, cash, credit cards, debit cards, smart cards, and the like. The Super Automatic ATM Transaction Logging Machine for multiple transactions offers a significant improvement over the conventional Automatic ATMs ATMs by offering the user a variety of payment options. The user can make the desired transaction by using a variety of payment methods. The user can use any of the following or a combination of the following forms of payment: cash, credit card, debit card, smart card, etc. In addition, the user can choose to receive a receipt for payment in cash or on credit for purchases at a departmental warehouse. The user can also, among other transactions, pay bills, buy lottery tickets, buy merchandise by catalog, buy passes for shows, buy tickets for the cinema, buy tickets for airline lines, deposit money in a bank account, etc. An attractive feature of the preferred embodiments of the present invention is the ability to provide access to the general public to electronic financial transactions, rather than restricting electronic transactions only to those who possess a credit card. The user can complete a variety of transactions, electronically. For example, the purchase of airline tickets could now be achieved without the use of a credit card. It is understood that other embodiments of the present invention will become apparent, quickly, to those skilled in the art from the following detailed description. The described embodiments of the invention are illustrative of the best mode contemplated for carrying out the invention. One will realize that the invention is capable of other and different modalities, and its details are capable of being modified in several other aspects, all this without departing from the spirit and scope of the present invention. Accordingly, the drawings and the detailed description are considered as illustrative in nature and not as restrictive.

BRIEF DESCRIPTION OF THE DRAWINGS These and other features, aspects and advantages of the present invention will be better understood with respect to the following description, appended claims, and accompanying drawings where: - Figure 1 shows a block diagram of the entirety of the network architecture of the Super Automatic ATM Transaction Register Machine. Figure 2 shows an architecture mode of the components of the Super Machine Automatic ATM Operations Register and the interaction of the components of a modality of the invention. Figure 3 shows a functional block diagram of a base computer that handles the transactions of a number of Super Automatic Cash Registers of ATM Operations with a number of service providers according to the preferred embodiment of the present invention.

DETAILED DESCRIPTION In a preferred embodiment of the present invention, a network for a Super Automatic ATM Transaction Recording Machine is configured with a client / server structure, in which, the clients of the Super Automatic ATM Transaction Recording Machine transmit a new group of ownership messages to the command base computer, which in turn analyzes and converts the group of messages to any number of "standard" messages (ie those using a published protocol such as in the ISO 8583 document, etc.) , Electronic Information Exchange (EDI) messages, or non-standard property messages (those that are sent to the invoice, telephone time providers, etc. who can not use any published standard). Figure 1 shows the block diagram for the entire network architecture of the Super Automatic ATM Transaction Register Machine. The communication between the Super Automatic ATM Recorder Machine 10 and its various peripherals 20 is via the convenient communication links 30, to the particular peripherals. In a preferred embodiment, the communication links between the Super ATM Automatic Recording Machine and its peripherals are by means of electronic buses (common links). The communication between the Super Automatic ATM Transaction Register Machine and the Remote Base Computer 40 (Server) is implemented by means of an internal protocol 50 of the Super Automatic ATM Transaction Recording Machine. The communication between the Remote Base Computer and the various systems 60 of the industrial computer is implemented by means of a variety of communication links 70, a communication link for each service provider. The various systems 60 of the industrial computer can use according to the ISO 8583 document, proprietary, and / or other standard protocols and message formats. Once the client's message is analyzed and converted, the base command guest sends the standard and non-standard messages that he has created, to any network (s), which are necessary to carry out the transaction initiated by the Super Automatic Machine. ATM Operations Registrar. For example, if a user initiates a transaction for payment of an account, when using a card in the ATM Automatic Cash Register Machine as the payment method, the following steps would occur: (i) the Super Automatic ATM Transaction Register Machine ( the client) sends his complex property message to the base command host; (ii) The base host (or one or more of its components) analyzes the information of the Automatic ATM Transaction Register Machine from the ownership message, formats it as a message 8583 of the ISO document, sends the message to the network of the Automatic ATM Transaction Recording Machine, and completes the authorization of the balance using the standard events of the ISO document and the communication in the network of the Automatic ATM Transaction Recording Machine; (iii) The base host 'analyzes the information required by the invoice (account information, etc.) and creates an EDI Electronic Information Exchange or other message, by using a format arranged in advance with the invoice, which is communicated to them in a real time, in a short period of time, or in a series of files that are transmitted, periodically; and (iv) The Super Automatic ATM Transaction Record Machine displays a success message to the user and issues a receipt, which confirms the completion of the transaction. Step (iv) will often precede step (iii) when the base host is not making transactions in real time with the invoice but rather stores the information for later transmission. The above steps can be applied to any product of an Automatic ATM / POS Operations / Point of Sale Registration Machine or to the service offered in the Super Automatic ATM Transaction Recording Machine, by changing the steps required for different items or services that are offered in the machine. Synchronous or asynchronous communications between the client and the base host on standard, digital, leased or other telephone lines or a wireless network are used. Formatting the transmissions in the Transmission Control Protocol / International Network Protocol (TCP / IP) allows, quickly, the use of the International Network (Internet) as a means between the client and the base host, although others Communication protocols can be used. Transmissions that are sent over a wireless network are formatted according to the specifications of the network provider. If the International Network (Internet) is used, the machine can, directly, dial a service provider of the International Network (Internet) to access the network, and use a leased line or connect a local server to the machine, which in turn transmits over the International Network (Internet) to the base command host (main server). The system fully supports the remote operation of the client machine by the base host, as well as the remote configuration and the transfer from one computer to another of a new program to the machine. The client and the base host applications can be written in the form of a Java language to allow easier updating of the programs on the client. Advertising, public service announcements and other messages can be updated "on the fly" based on the information provided or stored about the frequent user of the machine. The key information about each transaction and each user. It can be stored on the host host computer and when needed, on the client. When a user returns to use any machine on the network again, he / she can avoid re-registering an account or other information "of the user's preference" stored from a previous transaction by registering some identification information. Figure 2 shows a modality of the architecture of the components of the Automatic Super ATM Recorder Machine 10 and the interaction of the components of an embodiment of the invention. A mode that can include any combination of the user's interconnection devices. The monitor 100 is the largest means of communication between the user and the Super Automatic ATM Transaction Recording Machine and can include any monochromatic monitor, a touch screen color monitor, or a touch screen monitor. The monitor 100 can display messages and / or menus to the user. The messages that are displayed can provide information to the user, such as the interest rates on consumer loans, or they can indicate the options that the user has to choose from. Traditional options include whether to deposit money into a savings or checking account. Non-traditional options may include the purchase of theater tickets or the payment of a utility document. While a touch screen monitor requires user's touch response for an interaction with the Super ATM Automatic Cash Register, a Super ATM Automatic Cash Register with a touchless screen monitor gets user responses via a keyboard and / or a keypad 110. The keypad 110 may be a symbolic keypad and / or an alphanumeric keypad. A symbolic keypad has symbols that indicate the actions to the user. The advantage of the symbolic numeric keypad over the alphanumeric keyboard is that when you press a numeric keypad symbol, which represents an action, it is required to press or press only a symbol key, while the same action will require that many keys be pressed on an alphanumeric keyboard. Of course, a numeric keypad and / or a keyboard can be used in conjunction with a touch screen monitor.

Ergonomics studies indicate the optimal distribution of user functions between a touch screen monitor and a numeric keypad and / or the user keyboard. The numeric keypad and / or keyboard can also include braille characters. Virtual data entry devices can also be used, such as a screen virtual keyboard or a numeric keypad, as well as other data entry devices that are known in the art. In a preferred embodiment of the invention, the numeric keypad is an encryption _ PIN (Positive-Intrinsic-Negative) adapter. The keys that are pressed or pressed on the PIN adapter and / or the keyboard are encrypted in messages to prevent "people who listen illegally" from using registered PIN information. In the modality described, the encryption algorithm uses the Standardization of Information Encryption (DES) of the National Standardization Institute of the United States (ANSÍ) and complies with the requirements of the International Standardization Organization (ISO). The Information Encryption Normalization (DES) is an example of a single-key cryptography. In another modality, public-key cryptography that uses both a public key and a private key is used to encrypt / decrypt messages. It includes the options for key management, but are not limited to: the Session / Master, the Transaction for Unique Derivative Key (DUKPT), and the Transaction for Dynamic Code. Other data entry devices may include mouse balls, precision points, etc. to locate the cursor on the monitor. The Super ATM Automatic Cash Register Recorder has multimedia support. In a preferred embodiment, the sound capacity and all the video in motion is supplied _ by means of formats that comply with the audio and video compression standard of the Group of Cinematographic Experts (MPEG). In other modalities, the • sound capacity is supplied by means of Real Audio formats or other audio formats, and all the video in movement is supplied by means of formats of the Mixed Photographic Expert Group (JPEG), through formats in Motion JPEG (MJPEG), by means of Fast Time formats, or other video formats. The automatic cash / multimedia distributor 120 serves as both an automatic cash dispenser and an automatic multimedia distributor. In addition to distributing cash, the cash / multimedia distributor can distribute paper-based media items such as tickets, money orders, coupons, tax stamps, utility documents, etc. The automatic cash / multimedia distributor can also distribute non-paper based multimedia items such as tokens or vouchers. The automatic media distributor 130 does not distribute paper-based media items as does the automatic cash / multimedia distributor, but instead distributes products such as cassette tapes, CD ROMs, laser discs, DVDs, and micro integrated circuits. which have the capacity to store memory. This type of products includes audio and video products such as music and videos. The automatic card distributor 140 distributes cards with or without an integral bar code. For example, the automatic card distributor can distribute prepaid cards for the phone. The debit / credit card reader 150 of the Automatic ATM Transaction Register Machine can read a magnetic track, a bar code, or a smart card with integrated circuit. The debit / credit card reader 150 of the Automatic ATM Transaction Recording Machine can come with or without an intelligent integrated circuit with read / write capability. The card reader with intelligent integrated circuit with writing capability can increase / decrease the amount of dollars stored in an integrated circuit of a smart card. Other types of information can be written to the integrated circuit of a smart card depending on the application of the smart card. One embodiment of the invention includes a 160 Magnetic Ink Character Recognition reader.

(MICR), which deciphers the magnetic ink characters printed on the bottom of the checks. The MICR Magnetic Ink Character Recognition reader converts the information from checks or utility documents into digitized information which is then used to process the user's transaction. The MICR Ink Character Magnetic Recognition reader allows the Super Automatic Logging Machine of ATM operations collect checks. The Super Machine Automatic ATM Transaction Registrar contacts the Financial Services Provider (FSP) -indicated in the check. If the FSP Financial Services Provider authorizes the charge to the checking account, then the Super Automatic ATM Transaction Recording Machine distributes the amount of money authorized to be charged to the account. Validator / Acceptor 170 accepts to accept any money deposited and / or multimedia articles. The money deposited can be deposited into a bank account, while the coupons can be deposited to be allocated to the purchase of an item such as a theater ticket. In a preferred embodiment, several forms are used. The receipt form can be direct (ie, a dot matrix) or a thermal receipt form 180. . _ The multimedia printers 190 can print tickets, money orders, coupons, tax stamps, tokens or vouchers, utility documents, etc., which are distributed to the user of the Automatic ATM Transaction Register Machine by the automatic multimedia distributor. Printed tickets include tickets for events, tickets for air flights, tickets for the lottery, etc. A multimedia form can be a printed laser or thermal forms. The video camera and a video recorder 200 are used for security purposes, to record the initiator of a transaction in an Automatic ATM Transaction Recording Machine and the situation surrounding the transaction.

One embodiment may use a biometric system 210 to identify / verify the user of the Super Automatic ATM Transaction Register Machine. Biometrics involves the measurement of the biological characteristics of the user of the Automatic ATM Transaction Recording Machine, such as physical features and behavioral characteristics. The biometric system 210 can measure a fingerprint of the individual, the geometry of the hand, facial appearance, speech, physical movements, rhythm when typing on the keyboard, the features of the eyes and even the smell of the body. The biometric system 210 may include independent data entry devices / sensors and / or may be used in conjunction with the other data entry devices of the Super Automatic ATM Transaction Recording Machine. The biometric system 210 may include a fingerprint scanner, a hand scanner, an eye scanner, a face scanner, a voice scanner, an infrared camera, keyboard sensors, and / or a smell sensor. In the preferred embodiment, the biometric system 210 of the Automatic Super ATM Recording Machine is a face measurement security system, by which the thermal appearance of the user's face is measured and compared to a pre-stored thermal configuration of the face of the user. An optional computer keyboard for user data entry can be embedded in the Super Automatic ATM Transaction Register Machine. An optional configuration adapter 220 using a photosensitive pen, a touch pen, or other writing instruments, may also be embedded in the Super Automatic ATM Tracking Machine together with the Optical Character Recognition (OCR) scanner. The screen of the Automatic Super ATM Recorder Machine can be activated in the network, in which, the program that is displayed of the Super Automatic ATM Transaction Register Machine uses the Hypertext Markup Language (HTML), JAVA ™, a JAVA ™ derived language, a language based on the network, or another distributed language. In a preferred embodiment, the Super Machine Automatic ATM Operations Logger includes a computer which communicates with and controls the peripheral devices. The computer can use the Visual Basic, C, C ++ languages, the symbolic language of programs and / or other programs to send and receive the necessary information to control • the peripheral devices. In another modality, the Super Automatic ATM Transaction Recording Machine can use special integrated circuits in the interconnection cards to send and receive the necessary information to control the peripheral devices. The peripherals are linked and controlled by means of a bus. In the preferred mode, a Universal Serial Bus (USB) is used. The Universal Serial Bus allows many peripheral devices to be connected to the Super Automatic ATM Tracking Machine at the same time, and allows an "urgent exchange", that is, to join and separate the peripherals without having to turn off the Super Machine. Automatic ATM Transaction Register. Because many new personal computers are shipped with a USB Universal Serial Bus port, many personal computers can be the guest platforms for diagnostic programs of the Automatic ATM Tracking Machine. Other embodiments of the invention may use a Bus Controller for Area Network (CAN), a Small Bus for Interconnection of Computer Systems (SCSI), an Industrial Standardization Architecture (ISA) bus, a Standardization Architecture bus Industrial Extended (EISA), a Peripheral Components Interconnection Bus (PCI), a Micro Channel bus, a Personal Computer Memory Card, International Association Card Bus (PCMCIA), a European Modbus Card Bus "(VME), an IEEE 1394 bus, an ANSI bus, an IEEE bus, or any proprietary bus. One mode can also use the Intelligent I / 0 bus architecture (120) developed by Special Interest Group 120. Peripherals are configured to be used in parallel, serial, USB, CAN bus, etc., TTL logic or other control to combine the capabilities of the PC Personal Computer. Some peripherals require additional uses or suppliers of supplied electronic interconnections that are located inside or outside the PC Personal Computer. Communication links 70 may include the Old Plain Telephone Service (POTS) (also known as the Public Interconnected Telephone Network (PSTN)), the Integrated Services Digital Network (ISDN), the Distributed Information Interconnection in Fiber (FDDI), the Digital Subscriber Line (DSL) and its derivatives, TI, El, cordless or other modem (s).

The PSTN Interconnected Public Telephone Network is used to transmit analog voice information in copper cables. The ISDN Integrated Services Digital Network is used to send voice, video, and information on digital telephone lines. The Distributed Information Interconnection in Fibra FDDI is used to send digital information in fiber optic cables. The Digital Subscriber Line is a digital connection over copper cables that exist between the Super Automatic ATM Transaction Register Machine and the central telephone office. Each one, both IT and El, travel through copper cables, but require digital repeaters. One mode can use an RS-232 serial connection in the physical layer. The Transmission Control Protocol / International TCP / IP Network Protocol can be used as the protocol for international network (Internet) connections. One embodiment could include a direct connection to the network, such as an elastic network connection that uses either a pair of shielded or unshielded twisted cables, fiber optic or coaxial cables. Other communication links may include an optical connection, a wireless modem RF connection, a modem cellular connection, or a satellite connection. - The storage device (s) 310, such as a magnetic storage device, allows the capture of electronic information for each user of the Automatic ATM Transaction Recording Machine or for maintenance purposes thereof. The user of the Automatic ATM Transaction Recording Machine may have more than a bank account statement on a transportable disk (which the user of the ATM Automatic Recording Machine can then upload to an electronic device) rather than a form of paper. When there are problems in an Automatic ATM Operations Recorder Machine, the results of the diagnosis can be extracted. to a transportable disk for further analysis. The security sensors 230 detect if there is any attempt to alter the equipment of the Super Automatic ATM Transaction Recording Machine. The alarms are triggered when the alteration is detected. The alarms can be audible and / or electronic. An electronic alarm would trigger a message that is sent to the administrator of the Super ATM Automatic Cash Register. The horns are not only used to sound an alarm, but they can also be used to provide the user of the Automatic ATM Tracking Machine with addresses, information, and to listen in advance to musical products. Other components of the system include multimedia speakers with an associated sound circuit assembly 310, a peripheral controller 320, a live-animated display device 330, LCD, a power supply 340 without interruption and a casual access, just for reading, or another memory buffer 350. The peripheral controller controls the input and output processing of various peripherals. The various elements of the Super Machine Automatic ATM Transaction Loggers work together to perform the nontraditional transactions of the Automatic ATM Transaction Logging Machine. For example, a user of the ATM Automatic Cash Register that is interested in seeing a theatrical event, but does not know which theatrical event is playing and whether or not there is a good available seat, can be informed of this information through of the Super Automatic ATM Transaction Register Machine. The user indicates interest in the theater by navigating the menus that are displayed on the monitor of the Super Automatic ATM Transaction Recording Machine. The theater information is transferred to the Super Automatic ATM Transaction Register Machine and the monitor displays the various events recorded. The user selects the desired event on which the monitor displays the available seats. The user can then select the desired seat by means of the data entry devices of the Super Automatic ATM Transaction Register Machine. If the user deposits the appropriate cash and / or voucher for the event, then the desired ticket or representation ticket (ie, reservation for a ticket) will be distributed to the user. The network architecture allows any type of product in the network - oriented - based on kiosk functions or service to be offered, and includes the payment of accounts, the distribution of prepaid phone cards activated in real time, the cards frequently used for retail stores, recharging and issuing smart cards, recharging smart integrated circuits (for new prepaid cell phones and similar devices), interactive and / or personalized advertising, event tickets, airline tickets, money orders postcards, the distribution of postage stamps, the payment or promotion of coupons and gift certificates, examining the global network, and donations for charity etc. The Validator / Acceptor 160 of the Super Automatic ATM Transaction Recording Machine allows the payment of products, services, accounts or the recharging of smart cards with cash. It also allows for "verified deposits", where a customer can have immediate credit for deposits of money, rather than wait two or three days for their available balances to be updated while a deposit in the envelope is counted. The operation of the Super Automatic ATM Transaction Register Machine is controlled by a central computer hosted on the same machine. In a preferred embodiment of the present invention the computer 10 of the Super -. Automatic ATM Operations Recorder Machine shown in Figure 1 is based on an Intel central processing system or an equivalent PC personal computer system, connected to a number of peripheral devices. The user may require a redeemable receipt for cash or merchandise. Another alternative includes the user managing electronic transactions, such as requesting the market value of the money and / or the money for a purchase. ' Possible items purchased include movie tickets, lottery tickets, tickets for events, tickets for airlines, etc. Another alternative includes requesting the market value of the money and / or the money for the payment of an account, such as electricity, gas, water, telephone, cable, or credit cards. Other modalities may offer other transactions and purchases, such as catalog items, prepaid phone cards, money orders or other electronic transactions. In a preferred embodiment, electronic transactions are made by contacting the Super Automatic Registered ATM Machine. The computer in this machine, referred to by convenience as the PC personal computer of the Super Automatic ATM Transaction Register Machine, is connected to a base computer, remote from the Super Automatic ATM Transaction Register Machine. The network connection is preferably a specialized direct connection, but it can also be a standard modem connection, a wireless modem RF connection, a modem cellular connection, or any other network connection, such as an "Ethernet" connection. An international network (Internet) connection can also be used, when using the Transmission Control Protocol / International TCP / IP Network Protocol or another international network protocol through a dial-up connection or a Digital Network Connection Services Integrated ISDN, or to a specialized connection in the international Internet network, such as a modem with cable or another digital or optical connection, or any other connection available from the international Internet network. The personal computer PC in the Super Automatic ATM Transaction Register Machine and the remote base computer 40, can use a distributed client / server architecture, to allow "on the fly" changes through the changes made to the base computer program. All the programs and micro instructions in the Super Automatic ATM Transaction Recording Machine can be updated or changed any of them, remotely from the base computer or, locally, with an electronic linked device, directly to the personal computer PC of the Super Automatic ATM Transaction Register Machine. For example, the configuration and initial data can be established in a Super Automatic ATM Transaction Register Machine when connected to the base computer. Any subsequent change in the configuration, for each of the Super Automatic Registers of ATM Operations connected, could be done in the base computer with a scheduled date for such changes to take place. Every time a Super Automatic ATM Transaction Logger makes contact with the base computer, it requires changes to configure the files. The Super Automatic ATM Transaction Register Machine would automatically obtain changes from the base computer and update its own program, and the change would take effect on the scheduled date. By means of an example, one or many Super Automatic Recorders of ATM Operations could be programmed to start accepting certain signals on a certain date, all from the modifications made in the program of the base computer. Of course, these changes could also be made, locally in each PC personal computer of each Super Automatic ATM Transaction Recording Machine, by means of a connection between an electronic device, such as a handheld computer or a portable computer, and the PC personal computer of the Super Automatic ATM Transaction Register Machine. In a preferred embodiment, the distributed client / server architecture is based on the JAVA language. One modality can use other languages such as C ++.

One modality can use standard technologies such as the Inter-ORB International Internet Protocol (IIOP), the HTML Hypertext Markup Language, and the Target Management Group (OMG) protocols. Fig. 3 shows a functional block diagram of a base computer 40 that handles the transactions of a number of ATM Automatic Super Recorders ATMs 10 with a number of service providers 60 according to a preferred embodiment of the present invention. As shown, each Super Automatic ATM Transaction Logging Machine has two communication paths with the remote base computer 40. The base computer 40 in turn has two communication paths with a plurality of remote terminals 60. For illustrative purposes, these are remote terminals 60 have been labeled in figure 3 with representative names? of the possible remote terminals that would be contacted by the base computer. For example, the remote terminal ATM / POS 420 represents a known banking • network, which regularly supports an automatic cash register machine and the transactions of point of sale. This network would be contacted to verify and obtain funds and to make deposits. A network for 430 credit card processing is used to verify and process credit card transactions. Other systems, with which the base computer 40 can be interconnected / interacted, include a 440 reservation system for airlines, an electronic mail (e-mail) or message system 450, a ticketing system for 460 events, a system for movie tickets 470, a computer for 480 lottery tickets, as well as other services requested from provider 490. In a common transaction, the PC personal computer of the Super Automatic ATM Transaction Recording Machine suggests the user information about the desired transaction. The PC personal computer of the Super Automatic ATM Transaction Recording Machine then transmits this information to the base computer. The base computer 40 formats the transaction into the convenient industry standard protocol, and then makes contact with the convenient remote terminal. The received information returns from the remote terminal to be processed by the base computer 40, and is formatted by the PC personal computer of the Super Automatic ATM Transaction Recording Machine, and transmitted back to the PC personal computer convenient of the Super Machine Automatic ATM Transaction Register. This series of communication stages between a Super Automatic Machine Recorder Operations, the base computer and one or more remote terminals can be carried out several times for each transaction. For example, when purchasing a ticket for an event, the Super ATM Automatic Cash Register Operator would first have to send reservation information. If the user were to pay partially with money, and partially with an additional payment, the information of the additional payment would be sent to the base computer to be verified and obtained. Finally, the financial transaction would have to be completed to pay for the tickets. In addition to processing transactions, the base computer can be used to control the Super Machines Automatic Cash Register ATMs individually. In a programmed interval, the Super Automatic Cash Registers of ATM Operations can transmit information with respect to the amount of coins stored, the amount of money received, the level of paper or tickets in existence, or other diagnostics and maintenance information to the computer base. The base computer can also initiate contact with the personal computers. Individual PCs of each Super Automatic ATM Transaction Recording Machine, when obtaining information, such as when the components need service based on their use. The base computer can then evaluate the priority of the service requirements for each Super Automatic ATM Transaction Register Machine, and consequently, program the technicians. If the base computer finds that the service is required, it will initiate a service call through an email message (e-mail) to a warning service, which in turn alerts a technician. Until the email message (e-mail) is received the base computer will continue until the required service is sent. The technician who responds to the warning and who serves the unit records a response in a two-way segment to indicate who performed the service and what work was done. The technician can also initiate a diagnostic test through a message in the two-way segment, which is transmitted by electronic mail (e-mail) to the base computer, which instructs the PC personal computer of the Super Automatic Registration Machine of ATM Operations to start a diagnostic program or to start some function of the machine, controlled by the base computer and that is required by the technician. In another modality, each PC personal computer of each Super ATM Automatic Recording Machine could be connected to a single base computer, or each Super Automatic Recording Machine of Operations could be completely independent, and originate its own communications to a third one. part to carry out transactions. The reference for making contact with a remote terminal includes both the PC personal computer of the Super Automatic ATM Transaction Recording Machine making contact with a base computer, such as the base computer making contact with a remote terminal, or the personal computer PC of the Super Automatic ATM Transaction Register Machine makes contact with a remote terminal, directly. In a preferred connected environment, each personal computer PC of each Automatic ATM Transaction Recording Machine sends instructions for the transaction to the base computer 40. The base computer would transfer these instructions to the appropriate protocol, make contact with a third party, receive the information, would transfer to a new format if necessary, and then transmit the information to the convenient PC personal computer of the Super Automatic ATM Transaction Recording Machine. In an unconnected environment, the individual PC personal computer of the Automatic Super ATM Recording Machine would communicate, directly, with a third party, and carry out all the necessary protocol transmissions by itself. In another modality, instructions to a third party could be processed in a group, rather than communicated in real time. The operation of the Super Automatic ATM Transaction Logger Machine would be the same, except that communications to the base computer or to a third party would be made at scheduled intervals, by communicating all transactions in a single group. An alternative to this would be a delayed group process, where communications are stored by each PC personal computer of each Super Automatic ATM Transaction Recording Machine, in any internal way or in a removable storage medium. A technician, on a periodic basis, would transfer or remove the information from each PC personal computer of each Super Automatic ATM Transaction Recording Machine to process it.

Although the Automatic Super ATM Recording Machine can perform the functions of a conventional Automatic Operation Recording Machine, in one embodiment of the invention, it does not necessarily have to perform the conventional functions of an Automatic Operations Recording Machine. The Super Automatic Cash Register of Operations is more general than the conventional Automatic Cash Registers of ATM Operations. However, the Super Automatic ATM Transaction Register Machine can be better, more like an Automatic Transaction Machine, than as an Automatic Transaction Logging Machine. In one embodiment of the invention, it would not take deposits, but would distribute tickets based on the information provided by the user. Another embodiment of the invention would not distribute or take cash, but would be used only to provide information based on the identity of the user. There are Automatic Recording Machines of ATM operations produced by other manufacturers that can be updated with new programs or micro instructions, with or without an additional program that allows the oldest - Automatic Cash Registers of ATM Operations to execute some or all of the functions of the Super Automatic Cash Register of Operations ATM and communicate in a network of the Super Automatic ATM Transaction Register Machine. It is evident from the foregoing that the embodiments of the present invention satisfy an immediate need for an Automatic ATM Transaction Logging Machine for Multiple Transactions. This Super Automatic ATM Operations Recorder Machine can be included in other specific forms and can be used with a variety of remote terminals without departing from the spirit or essential attributes of the present invention. Therefore, it is desired that the described modalities be considered in all aspects as something illustrative and not as something restrictive.

It is noted that in relation to this date, the best method known to the applicant to carry out the aforementioned invention, is that which is clear from the present description of the invention.

Claims (20)

CLAIMS Having described the invention as above, the content of the following claims is claimed as property:

1. A network for transactions, characterized in that it comprises: at least one terminal for transactions that has a sensitive interconnection to the user for the entry of user data and to initiate and conduct transactions with at least one destination of a computer; and a base computer connected to at least one terminal for transactions through a communication network, the base computer is further connected to at least one computer destination in separate communication networks using unique communication protocols for each of the computer destinations, the base computer therefore provides two-way communication between at least one terminal for transactions and at least one destination of the computer when executing said transactions.

2. The network for transactions according to claim 1, characterized in that at least one computer destination also comprises a banking network.

3. The network for transactions according to claim 1, characterized in that at least one destination of the computer also comprises a non-banking network.

4. The network for transactions, according to claim 3, characterized in that the non-banking network also comprises at least one network for processing credit cards, a network for booking airlines, a network for sending e-mail messages (e-mail), a network for purchasing tickets for events, a network for lottery tickets, a network for the payment of accounts, a network for advertising services, a network for money transfer, and a network for multimedia information.

5. The network for transactions according to claim 1, characterized in that each of the transactions further comprises the components for plural transactions that are executed, asynchronously by the base computer.

6. The network for transactions according to claim 1, characterized in that the terminal for transactions further comprises a sensor adapted to detect information for identification of a user. The network for transactions according to claim 6, characterized in that the sensor further comprises at least one biometric sensor, an account validator, an optical scanner for recognizing characters, a magnetic ink character recognition reader, and an adapter of signature The network for transactions according to claim 1, characterized in that the terminal for transactions further comprises at least one distributor of multimedia products, a distributor of magnetic cards and a multimedia printer. 9. The network for transactions according to claim 1, characterized in that at least one terminal for transactions communicates a request message to the base computer when using a first message format, the base computer thereby converts the request message to a second one. message format to communicate the request message to a destination of the computer. The network for transactions according to claim 9, characterized in that the base computer receives a reply message from the destination of the computer in the second message format, the base computer thereby converts the response message to a first format of message to communicate the response message to at least one terminal for transactions. 11. A method for making transactions with at least a plurality of computer destinations from a terminal for transactions through a base computer, each of the destinations of the computer communicates with the terminal for transactions by means of the base computer, characterized in that it comprises the stages of: receiving at least one transaction request from a user through the terminal for transactions; provide a message for requesting a transaction to the base computer that reflects at least one transaction requirement; communicating the message for requesting a transaction to at least one of the plurality of computer destinations by using a single communication protocol for at least one of the pluralities of computer destinations and different from a communication protocol used by the terminal for transactions; and receiving a response message for a transaction from at least a plurality of computer destinations and transmitting the response message of the transaction to the terminal for transactions. The method according to claim 11, characterized in that the communication step further comprises: analyzing the request message of a transaction towards the components of a plurality of transactions corresponding to. _their respective pluralities of computer destinations; identify the dependencies among the components of a plurality of transactions; and communicating with the plurality of computer destinations in an order defined at least in part by the dependencies. The method according to claim 11, characterized in that the communication stage further comprises the communication with at least two of the plurality of destinations of the computer, simultaneously. -14. The method according to claim 11, characterized in that the communication stage further comprises' communicating with at least two of the plurality of computer destinations, asynchronously. 15. The method according to claim 11, characterized in that it further comprises the steps of detecting the identification information and confirming the identification information. The method according to claim 15, characterized in that the detection step further comprises detecting the biometric information of the user. 1

7. The method according to claim 16, characterized in that it also comprises the provision of the biometric information to the base computer. 1

8. The method according to claim 15, characterized in that it further comprises receiving a document from the user and in the detection step further comprises optical or magnetic detection of the ink character in the document information. 1

9. The method according to claim 11, further comprising distributing a multimedia product or a card in response to at least one user transaction requirement. 20. The method according to claim 11, characterized in that it further comprises generating a printed medium in response to at least one user transaction requirement. NETWORK ARCHITECTURE FOR MULTIPLE TRANSACTIONS SUMMARY OF THE INVENTION A network of automatic transaction machines which supports transactions for multiple destinations and a variety of communication protocols (50 and 70) and / or message formats that include proprietary protocols and standard protocols and / or message formats. The network of automatic machines for transactions includes a Super Automatic ATM Transaction Register Machine (Automatic / Automatic Transaction Machine). J10) which is interconnected with a variety of peripherals 60: standard peripherals - ATM (420) and / or sensors, and non-standard ATM peripherals and / or sensors. The Super Automatic ATM Transaction Recording Machine can process the traditional transactions of the "Automatic ATM Transaction Recording Machine, the non-traditional transactions of the Automatic ATM Transaction Recording Machine and the Point of Sale (POS) transactions.