Background Art Figure 1 depicts a financial access vending machine controller 100 as found in the prior art.

Financial access vending machine controller 100 contains a financial access vending machine control computer 102 coupled 112 to computer accessible memory 110, where a financial access vending machine control program is stored. Note that it is often the case that there is a volatile and nonvolatile memory component to computer accessible memory 110.

Financial access vending machine controller 100 contains the financial access vending machine control computer 102 further coupled 122 to user screen 120 and further coupled 132 to user key interface 142.

Financial access vending machine controller 100 contains the financial access vending machine control computer 102 further coupled 142 to user card reader 140, coupled 162 to external network interface 160, which in turn

couples 164 the financial access vending machine controller to one or more external networks.

Financial access vending machine controller 100 contains the financial access vending machine control computer 102 further coupled 152 to user printer 150, coupled 172 to deposit receiver 170 and further coupled 182 to cash dispenser interface 180.

These devices are found throughout the world in a variety of settings and have become an assumed component of the lifestyle of millions. They operate at hours and in locations not serviced by regular financial institutions, providing a significant set of services to anyone possessing an access card and password sequence, which is often a four keystroke sequence known as a Personal Identification Number (PIN). Access to the user\'s finances can be attained. Cash can be received and/or transferred, which is accordingly credited or debited against the financial account. The account status may be viewed, as can a log of recent transactions. While these services are extremely valuable, there are a number of additional needs not serviced by such devices at this time.

Each of these financial access vending machines is specifically identified, and that identification is essential to secure transactions with external financial networks. However, the user interface software does not reflect that identification. As a consequence, there is no way for a user to get customized information specific to that financial access vending machine locale, such as where nearby restaurants, hotels or car rental companies are located. What is needed is a method of presenting financial access vending machine specific content to users, which can be readily navigated by the user.

Each of these financial access vending machines, once the user access card has been read and the PIN confirmed, has identified the user. However, this identification does not affect the presentation, other than provide financial specifics during the course of the user session on the financial access vending machine. There is no way for a user to access generally available real-time information such as relevant stock market information, scores and scenes of ongoing sporting events, information which may be needed or greatly desired by travelers away from their usual sources of information.

What is needed is a method of presenting user specific content to users, which can be readily navigated by the user.

Each of these financial access vending machines is the property of a company that may benefit from presenting advertising to its users. Such advertising may include special offers from one or more lending institutions, such as discounts on certain acquisitions, mortgage plans, auto loan deals and the like. Such advertising aids in creating additional business for the financial access vending machine owner. Financial access vending machine owners may further wish to sell advertising, particularly targeted advertising.

Targeted advertising incorporates knowledge of the specific advertising situation, such as the location of the advertising situation, the financial access vending machine and also the general profile of the identified user, such as lifestyle preferences, gender, age and educational level.

More importantly, many users would prefer to specify areas of interest, a vegetarian may not be interested in steak houses, a soccer fan may not be interested in baseball, for instance. However, these same people may be specifically interested in certain targeted advertisements : the vegetarian may

be very interested in vegetarian restaurants, the soccer fan may be very interested in sales of season soccer tickets.

What is needed is a method of targeted advertising presentation in a financial access vending machine, which takes into account the identified user profile.

What is further needed is a method of targeted advertising presentation in a financial access vending machine, which takes into account the financial access vending machine identification and the user profile.

Figure 2 depicts a prior art system containing multiple financial access vending machine controllers 100-1 to 100-6 interfaced to a financial access vending network server 220 which is in turn coupled 302 to a financial network 300.

Each financial access vending machine controller 100-1 to 100-6 respectively interfaces 164-1 to 164-6 via financial access vending network 200 to a financial access vending network server 220 coupled 202 to financial access vending network 200. Financial access vending network server 220 provides a secure network communications gateway 302 between the financial access vending network 200 and one or more financial network servers 300. By way of example, users using each of the financial access vending machine controllers 100-1 to 100-6 may be concurrently using access cards from distinct financial institutions. To carry out the requested financial transactions in this example, financial access vending network server 220 may thus be interfaced to six distinct financial network servers 300, possibly through intervening network paths.

Financial access vending machine networks such as just described are fundamental to the improved financial services enjoyed by millions of people in this and every other industrialized or post-industrialized country. They provide financial services to people from a variety of financial institutions at most of these financial access vending machines.

However, there is an important missing capability, the ability to perform contractual transactions between the user, validated by the financial network access and merchants from the financial access vending machine. Examples of such missing capabilities include, reservations for restaurants, lodging, transport, recreational, sporting and cultural events. Today there is no way for a financial access vending machine user to find out where any of these mercantile products are locally available, arrange for such services or make reservations. This is a significant inconvenience to the users and a significant lost opportunity for the mercantile community.

Figure 3 depicts a typical user interface 400 for a financial access vending machine containing a keypad array 410-1 to 410-12, a user view screen 420, access card insertion slot 430, printer output slot 440 and cash dispenser 450.

Note that in certain instances, access card insertion slot 430 may be a magnetic access card reader, in which the access card is passed over a magnetic sensor to be read. In such instances, the card reader strictly reads but never writes to the access card. In other instances, access card insertion slot 430 may contain a smart card interface. Smart cards are distinguished by containing non-volatile memory and a communication interface by which that memory can be both read and written. There are a variety of smart cards in

production and a set of smart card interface standards which are part of the prior art in the financial access vending technology.

Cash dispenser 450 is common among such financial access vending machines, usually dispensing a single unit of currency, which in the United States is most often twenty dollar bills.

As mentioned before, these financial access vending machines have become common over much of the world because they are a distinct improvement over the previous solutions, such as walking into a bank during business hours to transact business and either deposit or remove money from an account. However, such machines have several limitations, which frustrate and/or inconvenience customers using such machines.

The customer/user may further wish to know about current real time events they are interested in, by way of example, sporting event scores, the status of various stocks in the open financial markets, election results, the weather or traffic locally and in various cities. Today, such information is not available at these financial access vending machine terminals.

The customer/user may wish to buy tickets to various entertainment and sporting events, but today, such ticket purchase must be done elsewhere, often requiring significant inconvenience and wasting of time standing in lines to access some other system or ticketing booth. In certain cases, for especially major events, the tickets may go on sale and be completely sold out at times when many customers cannot even take part, except through some form of reservation system. Currently, such reservation systems usually require the customer to either visit a ticketing booth, waiting in often

very long lines, attempt contact by telephone, often with even greater delays, or else wait till the performance and hope nothing went wrong in the reservation system. Being able to pick up such tickets at a financial access vending machine would greatly reduce the inconvenience associated with such ticketing procedures today.

To summarize, what is needed is a method of presenting financial access vending machine specific content to users, which can be readily navigated by the user. What is needed is a method of presenting user specific content to users, which can be readily navigated by the user. What is further needed is a method of targeted advertising presentation in a financial access vending machine, which takes into account the financial access vending machine identification and the user profile.

Today, the customer/user cannot find out about current real time events they are interested in, sporting event scores, the status of various stocks in the open financial markets, election results, the weather or traffic locally and in various cities from existing financial access vending machines.

Existing networks of financial access vending machines are unable to perform contractual transactions from the financial access vending machine between the user, validated by the financial network access, with merchants. These networks are unable to make reservations for restaurants, lodging, transport, recreational, sporting and cultural events. Today there is no way for a financial access vending machine user to learn what mercantile products are locally available, arrange for such services, make reservations or discover their locations. Users are significantly inconvenienced and the local mercantile communities are losing opportunities every day.

Summary of the invention Various embodiments satisfy the previously discussed limitations and problems of the prior art.

Certain embodiments include a method of controlling a financial access vending machine. The financial access vending machine contains a user identifying interface subsystem and a local user access profile collection comprising at least one local access profile node. The method comprises receiving a user stimulus input stream from the user identifying interface subsystem further including processing to create a user identification ; generating a user stimulus output stream from the received user input state and from the user identification and from the local user access profile collection ; and sending the user stimulus output stream to the user identifying interface subsystem.

Such embodiments advantageously incorporate user identification and the local access profile collection into the interactions. Such embodiments advantageously provide a collection of user access profile nodes in which differing presentation content may be collected for use in generating the user stimulus output stream.

Such methods are advantageous in providing identified user-based interactions, facilitating personalization of the interactions. It supports user identified information and advertising delivery at the financial access vending machine, optimizing the user\'s time and maximizing such activities for both the user and the financial access vending machine provider.

Certain embodiments include receiving the user stimulus input stream further comprising processing the received user input state to create a user navigation input. Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input. Such embodiments provide user navigation of the local user access profile collection-based interactions.

Certain embodiments include receiving the user stimulus input stream further comprising processing the received user input state to create a financial access mechanism reference. Such embodiments are advantageous in providing a reference to which financial access mechanism will be next contacted for financial transactions.

Certain embodiments include activating the financial access mechanism reference to create an activated financial access mechanism. Such embodiments are advantageous for activating communication with the financial access mechanism.

Certain embodiments include receiving the user stimulus input stream further comprising processing the received user input state to create a user identification. Activating the financial access mechanism reference is further comprised of activating the financial access mechanism reference based upon the user identification to create an activated financial access mechanism. Such embodiments are advantageous when the financial access mechanism requires user identification of a specific account.

Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input and based upon the user identification. Such embodiments advantageously incorporate user identification and the local access profile collection into the interactions. Such embodiments advantageously provide a collection of user access profile nodes in which differing presentation content may be collected for use in generating the user stimulus output stream.

Certain embodiments further comprise maintaining the local user access profile collection. Such embodiments advantageously support the computer system of the financial access vending machine maintaining the local user access profile collection. The local user access profile collection evolves over time, reflecting changes in the local environment surrounding the financial access vending machine as well as other changes such as the identity of the user and whether lunch or dinner is being locally served.

Certain embodiments comprise receiving a financial message from the activated financial access mechanism and sending an outgoing financial message to the activated financial access mechanism. Such embodiments advantageously provide communication to and from the financial access mechanism.

Certain embodiments include wherein receiving the user stimulus input stream further comprised of processing the received user input state to create a financial transaction request message as the outgoing financial message.

Receiving a financial message from the activated financial access mechanism is further comprised of determining a received financial transaction response

message type from the received financial message. Also included is processing the received financial message to create a financial transaction response when finding the received financial message is of a received financial transaction message type. Such embodiments advantageously provide financial transaction request responses from the activated financial access mechanism.

Certain embodiments include receiving the user stimulus input stream further comprised of processing the received user input state to create a merchant access request containing a merchant access identifier ; and further include opening a merchant access mechanism based upon the merchant access request containing the merchant access identifier. Such embodiments advantageously support opening a merchant access mechanism based upon the merchant access request created from the received user input state.

Certain embodiments include receiving a merchant offer message from the merchant access mechanism. Generating the user stimulus output stream is further comprised of inserting the merchant offer message into the user stimulus output stream. Such embodiments advantageously support user viewing of merchant offer messages through the financial access vending machine.

Certain embodiments include receiving the user stimulus input stream further comprised of processing the received user input state to create a user acceptance state of the merchant offer message and processing creating an acceptance financial access request message as the financial access request message. Such embodiments advantageously provide for user acceptance of

an offer and requesting financial access before sending acceptance to the merchant.

Certain embodiments include receiving the received financial message, which is further comprised of determining a confirmation financial response message type from the received financial message. Also included are generating a user acceptance message based upon the user acceptance state of the merchant offer message and the confirmation financial response message type from the received financial message ; and sending the user acceptance message to the merchant access mechanism. Such embodiments advantageously support user acceptances with confirmed financial access to funds.

Certain embodiments include receiving an acknowledgement message of the user acceptance message and creating a financial acknowledgement message based upon the received acknowledgement message as the outgoing financial message. Such embodiments advantageously support communication that the user acceptance has been received by the merchant access mechanism to the financial access mechanism.

Certain embodiments include the financial access vending machine further containing a dispenser subsystem controlled by a dispenser subsystem communicatively coupled to the computer of the computer system. The method of controlling further includes creating a dispenser command based upon the received acknowledgement message of the user acceptance message ; and operating the dispenser subsystem based upon the dispenser command. Such embodiments advantageously support controlled dispensing of money, various certificates as well as bottled, canned and/or packaged

goods based upon the transactions between the user and financial access mechanisms and merchant access mechanisms. As used herein, dispensers will also refer to devices receiving deposits from users, including devices capable of scanning a deposited check, certificate or other document or item.

Certain other embodiments include the financial access vending machine further containing a dispenser subsystem. Operating the dispenser system is based upon receiving a merchant dispenser command message. Such embodiments advantageously provide operational control of the dispenser subsystem based upon merchant dispenser command.

Certain embodiments include receiving the received financial message, which is further comprised of determining an approval response message type of a dispenser command permission message from the received financial message. Creating a merchant dispenser command based upon the received merchant dispenser command message is also further comprised of the following. Creating the dispenser command permission message as the outgoing financial message. And creating the merchant dispenser command based upon the received merchant dispenser command message and based upon the approval response message type of the dispenser command permission message from the received financial message. Such embodiments advantageously provide creating the merchant dispenser command based upon the financial access mechanism approval.

Certain embodiments include receiving the received financial message further comprised of determining a local user access profile maintenance message type from the received financial message. Maintaining the local user access profile collection is further comprised of maintaining the local user access

profile collection based upon the local user access profile maintenance message type of the received financial message. Such embodiments advantageously provide for local user access profile maintenance messages to be recognized and used in maintaining the local user access profile collection.

Certain alternative embodiments include creating a dispenser command and operating the dispenser subsystem based upon the dispenser command.

Such embodiments advantageously support localized command generation for controlling the dispenser subsystem. Such embodiments further provide for deposit monies to"smart"access cards.

Certain embodiments include receiving the received financial message further comprised of determining a dispenser command option message type from the received financial message. Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from the received user input state, from the local user access profile collection and based upon the dispenser command option message type of the received financial message. Such embodiments advantageously provide generation of the user stimulus output stream based upon local user access profile collection and the received dispenser command option financial message.

Certain embodiments include receiving the user stimulus input stream comprised of processing the received user input state to create a user dispenser option command. Creating the dispenser command is further comprised of creating the dispenser command based upon the user dispenser option command. Such embodiments advantageously provide the creation of dispenser commands based upon the received user input state.

Certain embodiments include receiving the received financial message comprised of determining a dispenser command message type from the received financial message. Creating the dispenser command is further comprised of creating the dispenser command based upon the dispenser command message type from the received financial message. Such embodiments advantageously provide the creation of dispenser commands based upon the financial message dispenser commands.

Certain embodiments include maintaining the local user access profile collection comprised of maintaining the local user access profile collection based upon the activated financial access mechanism. Such embodiments advantageously provide for maintaining the local user access profile collection based upon the activated financial access mechanism.

Certain embodiments include maintaining the local user access profile collection and are further comprised of maintaining the local user access profile collection based upon the activated financial access mechanism and based upon the user identification. Such embodiments advantageously provide for maintaining the local user access profile collection based upon the activated financial access mechanism and based upon the user identification.

Certain embodiments include maintaining the local user access profile collection comprised of maintaining the local user access profile collection based upon the user identification. Such embodiments advantageously provide for maintaining the local user access profile collection based upon the user identification. Note that certain embodiments advantageously provide for setting the displayed human language for the user stimulus output stream based upon the user identification. This is particularly advantageous given the

wide spectrum of languages users prefer, such as French, Spanish, German, several forms of Chinese, Korean, Japanese, to name just a few common examples.

Certain embodiments include maintaining the local user access profile collection comprised of creating a local access profile node in the local user access profile collection. Such embodiments advantageously support creating new local access profile nodes in the local user access profile collection.

Certain embodiments include maintaining the local user access profile collection comprised of deleting a local access profile node from the local user access profile collection. Such embodiments advantageously provide for deleting a local access profile node from the local user access profile collection.

Certain embodiments include maintaining the local user access profile collection comprised of modifying a local access profile node in the local user access profile collection. Such embodiments advantageously provide for modifying a local access profile node in the local user access profile collection.

Certain embodiments include a local access profile node in the local user access profile collection containing a textual presentation content. Generating the user stimulus output stream is comprised of the following. Selecting the first local access profile node in the local user access profile collection as a presentation node. And generating the user stimulus output stream from the received user input state and from the textual presentation content of the

presentation node. Such embodiments advantageously provide textual presentation content for a local access user profile node which is presented in the user stimulus output stream.

In certain other further embodiments, the local access profile node contains a graphical presentation content. Generating the user stimulus output stream is comprised of the following. Selecting the first local access profile node in the local user access profile collection as a presentation node. And generating the user stimulus output stream from the received user input state and from the graphical presentation content of the presentation node. Such embodiments advantageously provide graphical presentation content for use in generating the user stimulus output stream.

In certain embodiments, the local access profile node contains graphical presentation content, in turn containing motion video content presentation.

Generating the user stimulus output stream from the received user input state and from the graphical presentation content of the presentation node is further comprised of generating the user stimulus output stream from the received user input state and from the motion video presentation content of the presentation node. Such embodiments advantageously provide motion video presentation content for use in generating the user stimulus output stream.

In certain embodiments, the local access profile node contains a synchronized audio sequence. Generating the user stimulus output stream is comprised of the following. Selecting the first local access profile node in the local user access profile collection as a presentation node. And generating the user stimulus output stream from. the received user input state and from the synchronized audio sequence of the presentation node. Such embodiments

advantageously provide synchronized audio for use in generating the user stimulus output stream, In certain embodiments, the local user access profile collection contains a first and second local access profile node. Additionally, the first local access profile node contains a link referencing the second local access profile node.

Receiving the user stimulus input stream is further comprised of processing the received user input state based upon the first local access profile node containing the link to the second local access. profile node to create a user node selection. Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user node selection. Such embodiments advantageously provide mechanisms to reference a second local access profile node for use in generating the user stimulus output stream.

Certain embodiments include maintaining a presentation node collection comprising at least one presentation reference to an associated local access profile node of the local user access profile collection. Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input and the user identification and the presentation node collection. Such embodiments advantageously generate the user stimulus output stream based upon the presentation node collection. The presentation node collection acts as a collection of selected local access profile node references in the generation of the user stimulus output stream.

In certain embodiments, the user navigation input belongs to a user navigation command collection supporting at least one of the following : selecting a local access profile node reference, deleting a local access profile node reference and resetting a node list command. In certain embodiments, the corresponding operations are performed on the presentation node collection when the appropriate command is included in the user navigation input. Such embodiments advantageously support maintaining and manipulation of the presentation node collection.

In certain embodiments, the user navigation input belongs to a user navigation command collection : selecting a local access profile node reference, deleting a local access profile node reference and resting a node list command. In certain embodiments, the corresponding operations are performed on the presentation node collection when the appropriate command is included in the user navigation input. Such embodiments advantageously support maintaining and manipulation of the presentation node collection.

Certain embodiments include the user identifying interface subsystem comprised of a user presentation subsystem and a user response subsystem.

Sending the user stimulus output stream to the user identifying interface subsystem is comprised of sending the user stimulus output stream to the user presentation subsystem. Receiving the user stimulus input stream from the user identifying interface subsystem to create the received user input state is comprised of receiving a user stimulus input stream from the user response subsystem to create the received user input state. Such embodiments

advantageously partition input and output streams going to separate specialized subsystems.

Certain embodiments include the user presentation subsystem comprised of a user video subsystem and the user stimulus output stream comprised of a user video output stream. Sending the user stimulus output stream to the user identifying interface subsystem is comprised of sending the user video output stream to the user video subsystem. Such embodiments advantageous support video streams and further advantageously support motion video streams.

Certain embodiments include the user response subsystem comprised of a user tactile input subsystem. Receiving the user stimulus input stream from the user response subsystem to create the received user input state is comprised of receiving the user tactile input stream from the user tactile input subsystem to create a received user tactile input state. Processing the received user input state to create the user identification is comprised of processing the received user tactile input state to create a user identification state. Such embodiments advantageously support partitioning of the user input into a tactile input state to further support creating the user identification state. Such tactile input includes but is not limited to entry of a PIN, thumbprint, fingerprint, handprint or retinal scan.

Certain embodiments include refinement of processing the received user input state to create the user identification as follows : Sending a financial identification confirmation request message based upon the user identification state to the activated financial access mechanism to create a sent financial identification confirmation request message. Receiving a financial message

from the activated financial access mechanism of a financial identification confirmation message type in response to the sent financial identification confirmation request message to create a received financial identification confirmation message. Processing the received financial identification confirmation message to create the user identification. Such embodiments advantageously support confirmation of the user identification by the financial access mechanism.

Certain embodiments include the user identifying interface subsystem comprised of a user tactile input subsystem. Receiving the user stimulus input stream to create the user input state is further comprised of receiving a user tactile input stream from the user tactile input subsystem to create a user tactile input state. Such embodiments advantageously support partitioning the user stimulus input stream and user input state into a tactile component.

Certain embodiments include the user tactile input subsystem comprised of a user touch keypad subsystem. Receiving the user tactile input stream is further comprised of receiving a user touch keypad input state from the user touch keypad input subsystem. Such embodiments advantageously provide deriving from the user tactile input stream a user touch keypad input state to aid in controlling the financial access vending machine.

Certain embodiments include the user tactile input subsystem comprised of a user handprint sensor subsystem. Receiving the user tactile input stream from the. user tactile input subsystem is comprised of receiving a user handprint sensor input state from the user handprint sensor subsystem. Such embodiments advantageously provide user handprint sensor input to aid in controlling the financial access vending machine.

Certain embodiments include the user tactile input subsystem comprised of a user retinal sensor subsystem. Receiving the user tactile input stream from the user tactile input subsystem is comprised of receiving a user retinal sensor input state from the user retinal sensor subsystem. Such embodiments advantageously provide user retinal scan sensor input to aid in controlling the financial access vending machine.

Certain embodiments include the user response subsystem comprised of a user photographic sensor subsystem. Receiving the user stimulus input stream from the user response subsystem is further comprised of receiving a user photographic sensor input state from the user photographic sensor subsystem. Such embodiments advantageously provide user photographic sensor input to aid in controlling the financial access vending machine.

Certain embodiments include the user response subsystem comprised of a user acoustic sensor subsystem. Receiving the user stimulus input stream from the user response subsystem is comprised of receiving a user acoustic sensor input stream from the user acoustic sensor subsystem to create a user acoustic sensor input state. Such embodiments advantageously provide user acoustic sensor input to aid in controlling the financial access vending machine.

Certain embodiments include the user identifying interface subsystem comprised of an access card interface subsystem. Receiving the user stimulus input stream from the user identifying interface subsystem is comprised of receiving an access card input stream from the access card interface subsystem to create an access card input state. Activating the financial access mechanism reference to create the activated financial access

mechanism is comprised of the following. Making a financial access mechanism reference message based upon the financial access mechanism reference and the access card input state. And using the financial access mechanism reference message to create the activated financial access mechanism.

Such embodiments advantageously provide an access card interface to the financial access vending machine. Such embodiments further advantageously provide for activating the financial access mechanism by making the financial access mechanism reference message based upon the access card input state and using the financial access mechanism reference message to activate the financial access mechanism.

Certain embodiments include using the financial access mechanism reference message to create the activated financial access mechanism comprised of the following : Sending the financial access mechanism reference message to a financial access server. Receiving a financial access mechanism activation confirmation message from the financial access server. Processing the financial access mechanism activation confirmation message to create. the activated financial access mechanism. Such embodiments advantageously provide for using the financial access mechanism reference message to create the activated financial access mechanism based upon a dialog with the financial access server.

Certain embodiments include using the financial access mechanism reference message to create the activated financial access mechanism comprised of the following : Sending the financial access mechanism reference message to a vending system server. Receiving a financial access mechanism activation

confirmation message from the vending system server. And processing the financial access mechanism activation confirmation message to create the activated financial access mechanism. Such embodiments advantageously provide for using the financial access mechanism reference message to create the activated financial access mechanism based upon a dialog with the vending system server.

Certain embodiments include using the financial access mechanism reference message to create the activated financial access mechanism comprised of the following : Sending the financial access mechanism reference message to a financial access card controller. Receiving a financial access mechanism activation confirmation message from the financial access card controller. And processing the financial access mechanism activation confirmation message to create the activated financial access mechanism. Such embodiments advantageously provide for using the financial access mechanism reference message to create the activated financial access mechanism based upon a dialog with the financial access card controller.

Certain embodiments include the user identifying interface subsystem comprised of an access card interface subsystem. Receiving the user stimulus input stream from the user identifying interface subsystem is further comprised of receiving an access card input stream from the access card interface subsystem to create an access card input state. Processing the received user input state to create the financial access mechanism reference is comprised of processing the access card input state to create the financial access mechanism reference. Such embodiments advantageously utilize the access card input state to create the financial access mechanism reference.

Certain embodiments include the user identifying interface subsystem comprised of a user response subsystem. Receiving the user stimulus input stream from the user identifying interface subsystem is comprised of receiving a user stimulus input stream from the user response subsystem to create a received user input state. Processing the received user input state to create the financial access mechanism reference is comprised of processing the access card input state and the received user input state to create the financial access mechanism reference. Such embodiments advantageously utilize the received user input state and access card input state to create the financial access mechanism reference.

Certain embodiments further include generating the user stimulus output stream from the received user input state and from the local user access profile collection comprised of generating the user stimulus output stream from the received user input state and from the local user access profile collection and from the access card input state. Such embodiments advantageously utilize the access card input state to generate the user stimulus output stream.

Certain embodiments further include the access card input state comprised of a financial access mechanism reference choice list comprised of at least one financial access mechanism reference choice. Processing the access card input state and the received user input state to create the financial access mechanism reference is comprised of selecting the financial access mechanism reference based upon the financial access mechanism reference choice list of the access card input state and based upon the received user input state. Such embodiments advantageously provide for an access card

containing more than one reference to financial access mechanisms. By way of example, such an access card might contain references to a banking account and one or more credit cards.

Certain embodiments include the local user access profile collection including a locale topographic database. Generating the user stimulus output stream is further comprised of generating the user stimulus output stream from local user access profile collection including the locale topographic database based upon the user navigation input. Such embodiments advantageously provide user output generation based upon the locale topographic database and user navigation input. The locale topographic database provides the knowledge base for specialized maps to local merchants, facilities and attractions, as. well as travel direction to street addresses in the vicinity of the financial access vending machine.

Certain embodiments further include the local user access profile collection including a local merchant collection comprised of at least one local merchant entry containing at least a merchant name and a merchant location.

Generating the user stimulus output stream from the local user access profile collection including the locale topographic database based upon the user navigation input is further comprised of the following. Selecting a first of the local merchant entries of the local merchant collection based upon the user navigation input. Generating the user stimulus output stream from the local user access profile collection including the locale topographic database based upon the first local merchant entry of the local merchant collection. Such embodiments advantageously provide for generating the user stimulus output stream from the local user access profile collection including the locale

topographic database based upon the first local merchant entry of the local merchant collection.

Certain embodiments include generating the user stimulus output stream further comprised of generating a travel description to the merchant location of the first local merchant entry of the local merchant collection based upon local user access profile collection including the locale topographic database.

Such embodiments advantageously provide travel descriptions to the merchant location based upon the local user access profile collection including the locale topographic database.

Certain embodiments include the local user access profile collection including a default map. Generating a user stimulus output stream from the received user input state and from the local\'user access profile collection is further comprised of generating the user stimulus output stream from the received user input state and from the default map included in the local user access profile collection. Such embodiments advantageously support presentation of a default map to users. Such embodiments further advantageously provide quick answers to the most frequently asked locale-related questions.

Certain embodiments include maintaining a user input history collection.

Such embodiments advantageously support collection of historical user input data, such as how often has the financial access vending machine been used, during what hours of the day, days of the week, etc.

Certain embodiments include maintaining a user input history collection comprising the following : Reviewing the received user input state to select a first of the user input history bins of the user input history collection. Modifying

the first user input history bin of the user input history collection based upon the received user input state. Such embodiments advantageously provide for the review of the received user input state and modification of a selected user input history bin.

Certain embodiments include implementation of the methods discussed herein as program code segments of a program operating system residing in accessibly coupled memory to at least one computer of the computer system controlling the financial access vending machine. Such methods advantageously provide local user access profile collection-based interactions to identified users, facilitating customization of the user stimulus output stream.

Certain embodiments include computer systems executing program operating systems controlling financial access vending machines supporting the methods discussed herein. Such methods advantageously provide local user access profile collection-based interactions to identified users, facilitating customization of the user stimulus output stream.

Certain embodiments include the local user access profile collection residing in the accessibly coupled memory of the computer of the computer system controlling the financial access vending machine. Such embodiments advantageously support the local user access profile collection residing in accessibly coupled memory.

Certain embodiments include a financial access vending network supporting financial access vending machines comprised of a financial access vending network collection comprising at least one financial access vending machine

computer and a financial access vending system server computer communicatively coupled to each of the financial access vending machine computers. A program operating system residing in the accessibly coupled computer memory of the financial access vending system server computer is comprised of a program code segment supporting communication with each of the financial access vending machine computers belonging to the financial access vending network collection. Each program operating system residing in the accessibly coupled computer memory of each of the financial access vending machine computers belonging to the financial access vending network collection is further comprised of a program code segment supporting communication with the financial access vending system server computer.

Such embodiments advantageously provide a financial access vending system server with communication between the financial access vending machine and the financial access vending system server.

Certain embodiments include each program operating system residing in the accessibly coupled computer memory of each of the financial access vending machine computers belonging to the financial access vending network collection is further comprised of a program code segment supporting maintaining the local user access profile collection. The program code segment supporting maintaining the local user access profile collection is further comprised of a program code segment supporting maintaining the local user access profile collection based upon receiving a local user access profile collection maintenance message from the financial access vending system server. The program operating system includes at least one program code segment residing in the accessibly coupled computer memory of the financial access vending system server computer. It is further comprised of a

program code segment directing each of the financial access vending machine computers belonging to the financial access vending network collection in maintaining the local user access profile collection of the financial access vending machine computer. The program code segment directs each of the financial access vending machine computers belonging to the financial access vending network collection in maintaining the local user access profile collection of the financial access vending machine computer.

Such embodiments advantageously provide for the financial access vending system server directing the maintenance of the local user access profile collection for the financial access vending machine computer systems with computer supporting local user access profile collection.

Certain embodiments include a method of controlling a financial access vending machine. The financial access vending machine contains a user identifying interface subsystem and a vending server list containing at least two vending server options and including a current server option belonging to the vending server list. The method comprises the following. Receiving a user stimulus input stream from the user identifying interface subsystem. Sending a user stimulus output stream to the user identifying interface subsystem.

Maintaining a server communication interface with the current server option further comprising detecting communication failure with current server option ; selecting a second server option from the vending server list ; establishing communication with the second vending server option and making the second server option the current server option. Such embodiments advantageously provide financial access vending machines with backup vending system servers in the event communication fails the current vending system server,

greatly aiding the reliability of such financial access vending machines and their communication with their vending system servers.

These and other advantages of the present invention will become apparent upon reading the following detailed descriptions and studying the various figures of the drawings.

Brief Description of the Drawings Figure 1 depicts a vending machine controller 100 as found in the prior art ; Figure 2 depicts a prior art system containing multiple vending machine controllers 100-1 to 100-6 interfaced to a vending network server 220 which is in turn coupled 302 to a financial network 300 ; Figure 3 depicts a typical user interface 400 for a vending machine containing a keypad array 410-1 to 410-12, a user view screen 420, access card insertion slot 430, printer output slot 440 and cash dispenser 450 ; Figure 4 depicts a simplified block diagram of a computer system 1000 controlling a financial access vending machine supporting local user access profile collection in accordance with certain embodiments ; Figure 5A depicts a flowchart performing basic operations controlling the financial access vending machine in accordance with certain embodiments ; Figure 5B depicts a detail flowchart of operation 2004 of Figure 5A performing processing the received user input state to create a user identification in accordance with certain embodiments ;

Figure 6A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create user navigation input in accordance with certain embodiments ; Figure 6B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, the local user access profile collection and based upon the user navigation input in accordance with certain embodiments ; Figure 6C depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a financial access mechanism reference in accordance with certain embodiments ; Figure 7A depicts a detail flowchart of operation 2000 of Figure 5 further performing activating the financial access mechanism reference to create an activated financial access mechanism in accordance with certain embodiments ; Figure 7B depicts a detail flowchart of operation 2112 of Figure 7A performing activating the financial access mechanism reference based upon the user identification to create an activated financial access mechanism in accordance with certain embodiments ; Figure 8A depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, the local user access profile collection and based upon the user navigation input and the user identification in accordance with certain embodiments ;

Figure 8B depicts a detail flowchart of operation 2000 of Figure 5 further performing maintaining the local user access profile collection in accordance with certain embodiments ; Figure 9 depicts a detail flowchart of operation 2000 of Figure 5 performing messaging with the activated financial mechanism in accordance with certain embodiments ; Figure 10A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a financial transaction request message as the outgoing financial message in accordance with certain embodiments ; Figure 10B depicts a detail flowchart of operation 2212 of Figure 9 performing determining a received financial transaction response message type from the received financial message in accordance with certain embodiments ; Figure 10C depicts a detail flowchart of operation 2000 of Figure 5 performing processing the received financial message to create a financial transaction response when finding the received financial message of the received financial transaction message type ; Figure 11 A depicts a detail flowchart of operation 2272 of Figure 10C further performing processing the received financial message to create a financial transaction response when finding the received financial message of the received financial transaction message type in accordance with certain embodiments ;

Figure 11 B depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a merchant access request containing a merchant access identifier in accordance with certain embodiments ; Figure 11 C depicts a detail flowchart of operation 2000 of Figure 5 performing opening a merchant access mechanism based upon the merchant access request containing the merchant access identifier in accordance with certain embodiments ; Figure 12A depicts a detail flowchart of operation 2000 of Figure 5 performing receiving a merchant offer message from the merchant access mechanism in accordance with certain embodiments ; Figure 12B depicts a detail flowchart of operation 2012 of Figure 5 performing inserting the merchant offer message into the user stimulus output stream in accordance with certain embodiments ; Figure 13 depicts a detail flowchart of operation 2004 of Figure 5 further performing creating a user acceptance state and an acceptance financial access request message in accordance with certain embodiments ; Figure 14A depicts a detail flowchart of operation 2352 of Figure 12A performing determining a confirmation financial response message type from the received financial message in accordance with certain embodiments ; Figure 14B depicts a detail flowchart of operation 2000 of Figure 5 further performing generating and sending a user acceptance message based upon

receipt of a financial access message of confirmation financial response message type, in accordance with certain embodiments ; Figure 15A depicts a detail flowchart of operation 2000 of Figure 5 further performing receiving an acknowledgement message of the user acceptance message and creating a financial acknowledgement message in accordance with certain embodiments ; Figure 15B depicts a detail flowchart of operation 2000 of Figure 5 further performing creating a dispenser command and operating the dispenser subsystem based upon the dispenser command in accordance with certain embodiments ; Figure 16 depicts a simplified block diagram of computer system 1000 further containing a dispenser subsystem interface 1500 communicatively coupled 1108 to computer 1100 in accordance with certain further embodiments ; Figure 17 depicts a simplified system block diagram of dispenser subsystem interface 1500 in accordance with certain embodiments ; Figure 18A depicts a detail flowchart of operation 2000 of Figure 5 performing operating the dispenser system based upon receiving a merchant dispenser command message in accordance with certain embodiments ; Figure 18B depicts a detail flowchart of operation 2492 of Figure 18A further performing operating the dispenser system based upon receiving the merchant dispenser command message in accordance with certain embodiments ;

Figure 19A depicts a detail flowchart of operation 2212 of Figure 9 performing determining an approval response message type of a dispenser command permission message from the received financial message in accordance with certain embodiments ; Figure 19B depicts a detail flowchart of operation 2516 of Figure 18B further performing creating a merchant dispenser command based upon the received merchant dispenser command message in accordance with certain embodiments ; Figure 20A depicts a detail flowchart of operation 2212 of Figure 9 performing determining a local user access profile maintenance message type from the received financial message in accordance with certain embodiments ; Figure 20B depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the received financial message of local user access profile maintenance message type in accordance with certain embodiments ; Figure 21A depicts a detail flowchart of operation 2000 of Figure 5 further performing creating a dispenser command and operating the dispenser subsystem based upon the dispenser command in accordance with certain embodiments ; Figure 21 B depicts a detail flowchart of operation 2212 of Figure 9 performing determining a dispenser command option message type from the received financial message in accordance with certain embodiments ;

Figure 21C depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, and the local user access profile collection based upon the received financial message of dispenser command option message type in accordance with certain embodiments ; Figure 22A depicts a detail flowchart of operation 2556 of Figure 19B further creating the merchant dispenser command based upon the received merchant dispenser command message of approval response message type to the dispenser command permission message from the received financial message in accordance with certain embodiments ; Figure 22B depicts a detail flowchart of operation 2592 of Figure 20B further performing maintaining the local user access profile collection based upon the received financial message of local user access profile maintenance message type in accordance with certain embodiments ; Figure 23A depicts a detail flowchart of operation 2652 of Figure 21 C further performing generating the user stimulus output stream from the received user input state and the local user access profile collection based upon the received financial message of dispenser command option message type, in accordance with certain embodiments ; Figure 23B depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a user dispenser option command in accordance with certain embodiments ;

Figure 23C depicts a detail flowchart of operation 2612 of Figure 21A performing creating the dispenser command based upon the user dispenser option command in accordance with certain embodiments ; Figure 24A depicts a detail flowchart of operation 2212 of Figure 9 performing determining a dispenser command message type from the received financial message in accordance with certain embodiments ; Figure 24B depicts a detail flowchart of operation 2612 of Figure 21A performing creating the dispenser command based upon the dispenser command message type from the received financial message in accordance with certain embodiments ; Figure 24C depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the activated financial access mechanism in accordance with certain embodiments ; Figure 25A depicts a detail flowchart of operation 2792 of Figure 24B further performing creating the dispenser command based upon the received financial message of dispenser command message type in accordance with certain embodiments ; Figure 25B depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the activated financial access mechanism and based upon the user identification, in accordance with certain embodiments ;

Figure 25C depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the user identification, in accordance with certain embodiments ; Figure 26A depicts a detail flowchart of operation 2192 of Figure 8B performing creating a first local access profile node in the local user access profile collection in accordance with certain embodiments ; Figure 26B depicts a detail flowchart of operation 2192 of Figure 8B performing deleting a first local access profile node from the local user access profile collection in accordance with certain embodiments ; Figure 26C depicts a detail flowchart of operation 2192 of Figure 8B performing modifying a first local access profile node in the local user access profile collection in accordance with certain embodiments ; Figure 27 depicts a local user access profile collection 1410 in accordance with certain embodiments ; Figure 28A depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream, from the received user input state and the local user access profile collection, with a first local access profile node containing a textual presentation content, in accordance with certain embodiments ; Figure 28B depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream from the received user input state and the local user access profile collection, with a first local access

profile node containing a graphical presentation content, in accordance with certain embodiments ; Figure 29A depicts a detail flowchart of operation 2976 of Figure 28B performing generating the user stimulus output stream from the received user input state and from the motion video presentation content of the presentation node in accordance with certain embodiments ; Figure 29B depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream from the received user input state and from the local user access profile collection, with a first local access profile node containing a synchronized audio presentation content, in accordance with certain embodiments ; Figure 30A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state based upon the first local access profile node containing the link to the second local access profile node to create a user node selection in accordance with certain embodiments ; Figure 30B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state and the local user access profile collection based upon the user node selection in accordance with certain embodiments ; Figure 31A depicts a presentation node collection 1600 coupled 1610 with computer 1100, comprising 1602 presentation reference 1610 associated 1612 with local access profile node 1420 of 1412 local user access profile collection 1410 coupled 1140 with computer 1100, in accordance with certain embodiments ;

Figure 31 B depicts user navigation command collection 1700 comprising a select node command 1710, a delete node command 1720 and a reset node list command 1730, in accordance with certain embodiments ; Figure 32A depicts a detail flowchart of operation 2000 of Figure 5 further performing maintaining a presentation node collection comprising at least one presentation reference to an associated local access profile node of the local user access profile collection in accordance with certain embodiments ; Figure 32B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, the local user access profile collection based upon the user navigation input, the user identification and the presentation node collection in accordance with certain embodiments; Figure 33A depicts a detail flowchart of operation 3072 of Figure 32A further performing maintaining the presentation node collection comprising presentation references to the associated local access profile node of the local user access profile collection in accordance with certain embodiments ; Figure 33B depicts a detail flowchart of operation 3112 of Figure 33A further performing selecting a first local access profile node to create a first presentation reference of the presentation node collection when the user navigation input includes the select node command in accordance with certain embodiments ; Figure 34A depicts a detail flowchart of operation 3122 of Figure 33B further performing removing the first presentation reference of the presentation node collection of the associated local access profile node when the user

navigation input includes the remove node command in accordance with certain embodiments ; Figure 34B depicts a detail flowchart of operation 3132 of Figure 33A further performing resetting at least the first presentation reference of the presentation node collection when the user navigation input includes the reset node list command in accordance with certain embodiments ; Figure 35 depicts a simplified system block diagram of computer 1100 communicatively coupled 1106 with user identifying interface subsystem 1300, as shown in Figure 4 which comprises various subsystems in accordance with certain embodiments ; Figure 36 depicts a more detailed system block diagram of user identifying interface subsystem 1300 with its communicative coupling 1106 as shown in Figure 35 further comprising coupled subsystems in accordance with certain embodiments ; Figure 37A depicts a detail flowchart of operation 2022 of Figure 5 performing sending the user stimulus output stream to the user presentation subsystem in accordance with certain embodiments ; Figure 37B depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user stimulus input stream from the user response subsystem to create the received user input state in accordance with certain embodiments ; Figure 38A depicts a user output stimulus stream 1700 and several output stimulus streams contained in the user stimulus output stream, as well as user stimulus input stream 1800, received user input state 1810 and various

derived components from the received user input state, in accordance with certain embodiments ; Figure 38B depicts a detail flowchart of operation 2022 of Figure 5 performing sending the user video output stream to the user video subsystem in accordance with certain embodiments ; Figure 39A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving the user tactile input stream from the user tactile input subsystem to create a received user tactile input state in accordance with certain embodiments ; Figure 39B depicts a detail flowchart of operation 2032 of Figure 5B performing processing the received user tactile input state to create a user identification state in accordance with certain embodiments ; Figure 40 depicts a detail flowchart of operation 2032 of Figure 5B further performing processing the received user input state to create the user identification in accordance with certain embodiments ; Figure 41 A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user tactile input stream from the user tactile input subsystem to create a user tactile input state, in accordance with certain embodiments where the user identifying interface subsystem comprises a user tactile input subsystem ; Figure 41B depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user handprint sensor input state from the user handprint sensor subsystem in accordance with certain embodiments ;

Figure 41C depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user retinal sensor input state from the user retinal sensor subsystem in accordance with certain embodiments ; Figure 42A depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user photographic sensor input state from the user photographic sensor subsystem in accordance with certain embodiments ; Figure 42B depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user acoustic sensor input stream from the user acoustic sensor subsystem to create a user acoustic sensor input state in accordance with certain embodiments ; Figure 42C depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user touch keypad input state from the user touch keypad input subsystem in accordance with certain embodiments ; Figure 43A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving an access card input stream from the access card interface subsystem to create an access card input state in accordance with certain embodiments ; Figure 43B depicts a detail flowchart of operation 2112 of Figure 7A further performing activating the financial access mechanism reference to create the activated financial access mechanism in accordance with certain embodiments ; Figure 44 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to

create the activated financial access mechanism in accordance with certain embodiments ; Figure 45 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to create the activated financial access mechanism in accordance with certain embodiments ; Figure 46 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to create the activated financial access mechanism in accordance with certain embodiments ; Figure 47A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving an access card input stream from the access card interface subsystem to create an access card input state in accordance with certain embodiments ; Figure 47B depicts a detail flowchart of operation 2092 of Figure 6 C performing processing the access card input state to create the financial access mechanism reference in accordance with certain embodiments ; Figure 47C depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user response input stream from the user response subsystem to create a received user response state in accordance with certain embodiments ; Figure 48A depicts a detail flowchart of operation 2092 of Figure 6 C performing processing the access card input state and the received user

response state to create the financial access mechanism reference in accordance with certain embodiments ; Figure 48B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state and from the local user access profile collection and from the access card input state in accordance with certain embodiments ; Figure 48C depicts a detail flowchart of operation 3632 of Figure 48A performing selecting the financial access mechanism reference based upon the financial access mechanism reference choice list of the access card input state and based upon the received user response state in accordance with certain embodiments ; Figure 49 depicts an access card input state 1900 and various components associated with access card input state 1900 in accordance with certain embodiments ; Figure 50 depicts various components included in local user access profile collection 1410 in accordance with certain embodiments ; Figure 51A depicts a detail flowchart of operation 2072 of Figure 6B performing generating the user stimulus output stream from the received user input state and from the local user access profile collection including the locale topographic database based upon the user navigation input in accordance with certain embodiments ; Figure 51 B depicts a detail flowchart of operation 3692 of Figure 51 A further performing generating the user stimulus output stream from the received user

input state and from the local user access profile collection including the locale topographic database based upon the user navigation input in accordance with certain embodiments ; Figure 52A depicts a detail flowchart of operation 3716 of Figure 51 B performing generating a travel description from the financial access vending machine to the merchant location of the first local merchant entry of the local merchant collection based upon the locale topographic database in accordance with certain embodiments ; Figure 52B depicts a detail flowchart of operation 2022 of Figure 5 performing generating the user stimulus output stream from the received user input state and from the default map included in the local user access profile collection in accordance with certain embodiments ; Figure 53A depicts a detail flowchart of operation 2000 of Figure 5 performing maintaining a user input history collection comprised of at least one user input history bin in accordance with certain embodiments ; Figure 53B depicts a detail flowchart of operation 3772 of Figure 53A further performing maintaining a user input history collection comprised of at least one user input history bin in accordance with certain embodiments ; Figure 54 depicts a displayed user output stream on a user video screen 5000 indicating 5120 that the user should enter a PIN number, which will be displayed in region 5110, in accordance with certain embodiments ;

Figure 55 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5200 and an advertising region 5240, in accordance with certain embodiments ; Figure 56 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5300 and an advertising region 5360, in accordance with certain embodiments ; Figure 57 depicts a displayed user output stream on a user video screen 5000 indicating an advertising region 5370, in accordance with certain embodiments ; Figure 58 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5400 and an advertising region 5410, in accordance with certain embodiments ; Figure 59 depicts a displayed user output stream on a user video screen 5000 indicating a transaction status region 5412 and an advertising region 5410 presenting a mercantile offer to contract, in accordance with certain embodiments ; Figure 60 depicts a displayed user output stream on a user video screen 5000 indicating a transaction status region 5512 and an advertising region 5510 showing acknowledgement of the user acceptance of a mercantile offer to contract creating a contract, in accordance with certain embodiments ; Figure 61 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5800, in accordance with certain embodiments ;

Figure 62 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5900, in accordance with certain embodiments ; Figure 63 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 6000, in accordance with certain embodiments ; Figure 64 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 6100, in accordance with certain embodiments ; Figure 65 depicts a displayed user output stream on a user video screen 5000 indicating a displayed map 6200, in accordance with certain embodiments ; Figure 66 depicts a collection of object families contained in a program operating system residing in accessibly coupled computer memory of at least one computer in a computer system 1000 controlling a financial access vending machine in accordance with certain embodiments ; Figure 67 depicts a simplified system level diagram of the various communicative couplings of financial access vending machines 1000 and financial access mechanisms 8100 including financial access mechanism servers 8110, merchant access mechanisms 8200, vending system servers 8000, and other entities in accordance with certain embodiments ; Figure 68 depicts a simplified block diagram of a computer system 1000 to control a financial access vending machine supporting a local user access profile collection in accordance with certain embodiments ; Figure 69 depicts a flowchart performing a method of contracting between an identified user operating a financial access vending machine communicatively coupled to a financial access mechanism and the user financial access

vending machine communicatively coupled to a merchant access mechanism in accordance with certain embodiments ; Figure 70A depicts a detail flowchart of operation 3826 of Figure 69 performing the merchant access mechanism sending an offer acceptance acknowledgement message based upon the received offer acceptance message to the financial access vending machine in accordance with certain embodiments ; Figure 70B depicts a detail flowchart of operation 3810 of Figure 69 performing the financial access vending machine receiving the offer acceptance acknowledgement message to create a received offer acceptance acknowledgement message in accordance with certain embodiments ; Figure 70C depicts a detail flowchart of operation 3872 of Figure 70B performing displaying the received offer acceptance acknowledgement message to create a confirmed contract message to the identified user in accordance with certain embodiments ; Figure 71 depicts a flowchart performing a method of controlling a vending machine containing a user identifying interface subsystem, a vending server list containing at least two server options and a current server option belonging to the vending server list, and a server communication interface, in accordance with certain embodiments ; and Figure 72 depicts a detail flowchart of operation 3932 of Figure 71 further performing maintaining the server communication interface with the current server option in accordance with certain embodiments.

Detailed Description of the Invention Figure 4 depicts a simplified block diagram of a computer system 1000 controlling a financial access vending machine supporting local user access profile collection in accordance with certain embodiments.

Computer system 1000 comprises a computer 1100 accessibly coupled 1102 to computer memory 1200. As used herein a computer system comprises at least one computer accessibly coupled to a computer memory. In certain embodiments, computer system 1000 comprises at least two computers, each with separate accessibly coupled computer memories. In certain embodiments, computer system 1000 comprises at least two computers, each sharing an accessibly coupled computer memory.

As used herein, accessibly coupled computer memory 1200 includes at least a non-volatile memory. The non-volatile memory may be comprised of more than one non-volatile memory component. Access to a non-volatile memory component may be further organized about a file management system.

Accessibly coupled memory 1200 may further include a volatile memory.

Volatile memory may be comprised of more than one volatile memory component. Volatile memory components may include but are not limited to static RAM and various forms of Dynamic RAM. Access to a volatile memory component may be further organized as a cache memory interface to an often larger and slower memory component, which may be either volatile or non- volatile. The cache memory interface may be further multi-leveled, where successive levels of the cache memory incorporate a slower memory transfer rate to (an often) larger amount of memory.

As used herein, computer refers to an instruction-processing computer, an inference engine or an analog computer. An instruction-processing computer as used herein refers to either a Single Instruction Single Datapath (SISD) computer, Single Instruction Multiple Datapath (SIMD) computer, Multiple Instruction Single Datapath (MISD) computer, or a Multiple Instruction Multiple Datapath (MIMD) computer. Examples of SISD computers include microprocessors. Microprocessors as used herein, include super-scalar microprocessors, which concurrently execute components of several successive instructions of a single instruction stream involving a single datapath. Instruction processing mechanisms include but are not limited to native code execution mechanisms such as found in a 80x086 microprocessor, byte code interpreters such as JAVA and MPEG 4 use, threaded execution structures such as FORTH and Postscript use, or combinations of the above.

As used herein, inference engines operate upon a fact based and an inference rule collection. Execution of inference engines may be based upon unification processes, constraint satisfaction mechanisms and neural network threshold-stimuli mechanisms. Instructions as used herein for such inference engines would include the facts and inference rules presented to the inference engine.

As used herein, analog computers include but are not limited to circuitry composed exclusively of analog circuit, or devices of mixed analog and digital circuitry. Instructions presented to analog computer will either provide a pattern or set internal controls. The internal controls may be addressable and may further include branching mechanisms which would be triggered either by

time durations or through application of thresholding decision functions.

Examples of such controls include use of different filter coefficients for voices speaking the same language with distinctive accents.

By way of example, a device including a Charge Coupled Device (CCD) combined with a signal processing subsystem may well serve as a fingerprint based user identification device, and would primarily employ analog input and produce a digital output characterizing the fingerprint. The instructions for this device would be fairly straightforward, primarily accounting for specific filters to normalize background skins coloration and lighting effects such as scratches on the fingerprint portal and ambient lighting. Alternatively, a digital characterization of the expected fingerprint might be input, and a simple match-no match result might be the usual output of the device. In such cases, the device would be considered an essentially analog computer whose instruction processing mechanism would be the digital fingerprint pattern.

As used herein, program code segments refer to collections of instructions collectively performing some operation, which could operate an instruction processor, inference engine or analog computer. Distinct program code segments could employ distinct instruction formats and operate distinct computers. By way of example, certain program code segments could be in native code for an 80x86 microprocessor, while other program code segments could be written in JAVA and yet other program code segments could be written in HTML (Hyperlink Text Markup Language). Still other program code segments could provide a fingerprint characterization. Still other program code segments could provide a voice print characterization.

Still other program code segments could provide a rules collection to determine appropriate advertising for the day of the week and the location of the financial access vending machine as well as other stored information and user preferences. Still other program code segments could provide a collection of MPEG 4 streams containing different financial and/or mercantile advertising and offers.

Computer system 1000 further comprises a user identifying interface subsystem 1300 communicatively coupled 1106 with computer 1100. User identifying subsystem 1300 includes at least one mechanism presenting a user stimulus output stream to a user and at least one mechanism by which computer system 1000 is stimulated by a user to generate a user stimulus input stream. Embodiments of this subsystem will be discussed in greater detail later. User identifying interface subsystem 1300 can gather information sufficient to adequately identify the user for purposes of transacting financial and mercantile exchanges and agreements. In certain further embodiments, user identifying interface subsystem 1300 further provides the user with mercantile offers, selection capability for financial and mercantile transactions and presentation of graphical data including at least one of the collection of presentation of maps and motion video.

Computer system 1000 further comprises local user access profile collection 1410 communicatively coupled 1140 with computer 1100. In certain embodiments, local user access profile collection 1410 contains an encapsulated system component coupled by an internal communication transport layer 1140 to computer 1100. Such an internal communication transport layer 1140 may be wireline in certain further embodiments. In

certain further embodiments, the wireline transport layer 1140 includes an optical fiber, coaxial cable, twisted pair, ribbon cable, or buss strips on a printed circuit board. In certain further embodiments, local user access profile collection 1410 encapsulated system component further contains nonvolatile memory. In certain further embodiments, local identification 1410 encapsulated system component contains writable nonvolatile memory. In certain further embodiments, at least a part of the nonvolatile memory of local user access profile collection 1410 encapsulated system component is organized and accessed as a file management system. In certain other further embodiments, local user access profile collection 1410 encapsulated system component contains write-once nonvolatile memory.

In certain embodiments, local user access profile collection 1410 resides in part of computer memory 1200. In certain further embodiments, local identification 1410 resides in a portion of at least one nonvolatile memory component of computer memory 1200. In certain further embodiments, local user access profile collection 1410 is organized and accessed 1140 as a file management system.

In certain embodiments, communicative coupling 1140 between local identification 1410 and computer 1100 employs coding technology. Coding technology as used herein will refer to error detection codes, error detection and correction codes, encryption codes and combinations of these coding technologies. In certain further embodiments, communicative coupling 1140 employs distinct coding technologies depending upon whether the computer 1100 is performing reading or writing access of local user access profile collection 1410.

The financial access vending machine is controlled by the computer system 1000 executing a program operating system of program code segments residing in the accessibly coupled computer memory of at least one of the computers of the computer system.

A program operating system is a collection of program code segments residing in the memory of one or more computers comprising the computing system 1000. A program operating system serves as an overall organization for the performance of the operations, which may be performed in an essentially concurrent manner on one or more of the computers comprising the computer system controlling the financial access vending machine.

Figure 5A depicts a flowchart performing basic operations controlling the financial access vending machine in accordance with certain embodiments.

Operation 2000 starts the operations of this flowchart. Arrow 2002 directs the flow of execution from operation 2000 to operation 2004. Operation 2004 performs receiving a user stimulus input stream from the user identifying interface subsystem to create a received user input state. Arrow 2006 directs execution from operation 2004 to operation 2008. Operation 2008 terminates the operations of this flowchart.

Arrow 2010 directs the flow of execution from starting operation 2000 to operation 2012. Operation 2012 performs generating a user stimulus output stream from the received user input state and from the local user access profile collection. Arrow 2014 directs execution from operation 2012 to operation 2008. Operation 2008 terminates the operations of this flowchart.

Arrow 2020 directs the flow of execution from starting operation 2000 to operation 2022. Operation 2022 performs sending the user stimulus output stream to the user identifying interface subsystem. Arrow 2024 directs execution from operation 2022 to operation 2008. Operation 2008 terminates the operations of this flowchart.

A program code segment may be further comprised of a collection of more than one program code segment. These separate program code segments may be comprised of instructions in distinct languages, executing concurrently on distinct computers within the computer system.

In certain embodiments, one program code segment may be executing on a specialized graphics computer (not shown in the diagrams) to implement generation of an MPEG motion video stream as part of generating the user stimulus output stream. In certain embodiments, a second program code segment may be concurrently executing on a (Digital Signal Processing) DSP computer (not shown in the diagrams) to implement generation of an associated compressed audio stream as part of generating the user stimulus output stream. In certain embodiments, a third program code segment may be concurrently executing on computer 1100 to receive the user stimulus input stream from the user identifying interface to create at least part of the received user input state.

Figure 5B depicts a detail flowchart of operation 2004 of Figure 5A performing processing the received user input state to create a user identification in accordance with certain embodiments.

Arrow 2030 directs the flow of execution from starting operation 2004 to operation 2032. Operation 2032 performs processing the received user input state to create a user identification. Arrow 2034 directs execution from operation 2032 to operation 2036. Operation 2036 terminates the operations of this flowchart.

Figure 6A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create user navigation input in accordance with certain embodiments.

Arrow 2050 directs the flow of execution from starting operation 2004 to operation 2052. Operation 2052 performs processing the received user input state to create a user navigation input. Arrow 2054 directs execution from operation 2052 to operation 2056. Operation 2056 terminates the operations of this flowchart.

Figure 6B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state and the local user access profile collection and based upon the user navigation input in accordance with certain embodiments.

Arrow 2070 directs the flow of execution from starting operation 2012 to operation 2072. Operation 2072 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input. Arrow 2074 directs execution from operation 2072 to operation 2076. Operation 2076 terminates the operations of this flowchart.

Figure 6C depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a financial access mechanism reference in accordance with certain embodiments.

Arrow 2090 directs the flow of execution from starting operation 2004 to operation 2092. Operation 2092 performs processing the received user input state to create a financial access mechanism reference. Arrow 2094 directs execution from operation 2092 to operation 2096. Operation 2096 terminates the operations of this flowchart.

Figure 7A depicts a detail flowchart of operation 2000 of Figure 5 further performing activating the financial access mechanism reference to create an activated financial access mechanism in accordance with certain embodiments.

Arrow 2110 directs the flow of execution from starting operation 2000 to operation 2112. Operation 2112 performs activating the financial access mechanism reference to create an activated financial access mechanism.

Arrow 2114 directs execution from operation 2112 to operation 2116.

Operation 2116 terminates the operations of this flowchart.

Figure 7B depicts a detail flowchart of operation 2112 of Figure 7A performing activating the financial access mechanism reference based upon the user identification to create an activated financial access mechanism in accordance with certain embodiments.

Arrow 2150 directs the flow of execution from starting operation 2112 to operation 2152. Operation 2152 performs activating the financial access mechanism reference based upon the user identification to create an

activated financial access mechanism. Arrow 2154 directs execution from operation 2152 to operation 2156. Operation 2156 terminates the operations of this flowchart.

Figure 8A depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, the local user access profile collection and based upon the user navigation input and the user identification in accordance with certain embodiments.

Arrow 2170 directs the flow of execution from starting operation 2012 to operation 2172. Operation 2172 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input and based upon the user identification. Arrow 2174 directs execution from operation 2172 to operation 2176. Operation 2176 terminates the operations of this flowchart.

Figure 8B depicts a detail flowchart of operation 2000 of Figure 5 further performing maintaining the local user access profile collection in accordance with certain embodiments.

Arrow 2190 directs the flow of execution from starting operation 2000 to operation 2192. Operation 2192 performs maintaining the local user access profile collection. Arrow 2194 directs execution from operation 2192 to operation 2196. Operation 2196 terminates the operations of this flowchart.

Figure 9 depicts a detail flowchart of operation 2000 of Figure 5 performing messaging with the activated financial mechanism in accordance with certain embodiments.

Arrow 2210 directs the flow of execution from starting operation 2000 to operation 2212. Operation 2212 performs receiving a financial message from the activated financial access mechanism to create a received financial message. Arrow 2214 directs execution from operation 2212 to operation 2216. Operation 2216 terminates the operations of this flowchart.

Arrow 2220 directs the flow of execution from starting operation 2000 to operation 2222. Operation 2222 performs sending an outgoing financial message to the activated financial access mechanism. Arrow 2224 directs execution from operation 2222 to operation 2216. Operation 2216 terminates the operations of this flowchart.

Figure 10A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a financial transaction request message as the outgoing financial message in accordance with certain embodiments.

Arrow 2230 directs the flow of execution from starting operation 2004 to operation 2232. Operation 2232 performs processing the received user input state to create a financial transaction request message as the outgoing financial message. Arrow 2234 directs execution from operation 2232 to operation 2236. Operation 2236 terminates the operations of this flowchart.

Figure 10B depicts a detail flowchart of operation 2212 of Figure 9 performing determining a received financial transaction response message type from the received financial message in accordance with certain embodiments.

Arrow 2250 directs the flow of execution from starting operation 2212 to operation 2252. Operation 2252 performs determining a received financial

transaction response message type from the received financial message.

Arrow 2254 directs execution from operation 2252 to operation 2256.

Operation 2256 terminates the operations of this flowchart.

Figure 10C depicts a detail flowchart of operation 2000 of Figure 5 performing processing the received financial message to create a financial transaction response when finding the received financial message of the received financial transaction message type.

Arrow 2270 directs the flow of execution from starting operation 2000 to operation 2272. Operation 2272 performs processing the received financial message to create a financial transaction response when the received financial message is of received financial transaction message type. Arrow 2274 directs execution from operation 2272 to operation 2276. Operation 2276 terminates the operations of this flowchart.

In certain embodiments, operation 2272 may be performed in a manner similar to the following : Figure 11 A depicts a detail flowchart of operation 2272 of Figure 10C further performing processing the received financial message to create a financial transaction response when finding the received financial message is of the received financial transaction message type, in accordance with certain embodiments.

Arrow 2290 directs the flow of execution from starting operation 2272 to operation 2292. Operation 2292 determines when finding the received financial message is of the received financial transaction message type.

Arrow 2294 directs execution from operation 2292 to operation 2296 when the

determination is\'Yes\'. Arrow 2308 directs execution to 2300 when the determination is\'No\'.

Operation 2296 performs processing the received financial message to create a financial transaction response. Arrow 2298 directs execution from operation 2296 to operation 2300. Operation 2300 terminates the operations of this flowchart.

Figure 11 B depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a merchant access request containing a merchant access identifier in accordance with certain embodiments.

Arrow 2310 directs the flow of execution from starting operation 2004 to operation 2312. Operation 2312 performs processing the received user input state to create a merchant access request containing a merchant access identifier. Arrow 2314 directs execution from operation 2312 to operation 2316. Operation 2316 terminates the operations of this flowchart.

Figure 11C depicts a detail flowchart of operation 2000 of Figure 5 performing opening a merchant access mechanism based upon the merchant access request containing the merchant access identifier in accordance with certain embodiments.

Arrow 2330 directs the flow of execution from starting operation 2000 to operation 2332. Operation 2332 performs opening a merchant access mechanism based upon the merchant access request containing the merchant access identifier. Arrow 2334 directs execution from operation 2332 to operation 2336. Operation 2336 terminates the operations of this flowchart.

Figure 12A depicts a detail flowchart of operation 2000 of Figure 5 performing receiving a merchant offer message from the merchant access mechanism in accordance with certain embodiments.

Arrow 2350 directs the flow of execution from starting operation 2000 to operation 2352. Operation 2352 performs receiving a merchant offer message from the merchant access mechanism. Arrow 2354 directs execution from operation 2352 to operation 2356. Operation 2356 terminates the operations of this flowchart.

Figure 12B depicts a detail flowchart of operation 2012 of Figure 5 performing inserting the merchant offer message into the user stimulus output stream in accordance with certain embodiments.

Arrow 2370 directs the flow of execution from starting operation 2012 to operation 2372. Operation 2372 performs inserting the merchant offer message into the user stimulus output stream. Arrow 2374 directs execution from operation 2372 to operation 2376. Operation 2376 terminates the operations of this flowchart.

Figure 13 depicts a detail flowchart of operation 2004 of Figure 5 further performing creating a user acceptance state and an acceptance financial access request message in accordance with certain embodiments.

Arrow 2390 directs the flow of execution from starting operation 2004 to operation 2392. Operation 2392 performs processing the received user input state to create a user acceptance state of the merchant offer message. Arrow 2394 directs execution from operation 2392 to operation 2396. Operation 2396 performs processing the user acceptance state of the merchant offer

message to create an acceptance financial access request message as the financial access request message. Arrow 2398 directs execution from operation 2396 to operation 2400. Operation 2400 terminates the operations of this flowchart.

Figure 14A depicts a detail flowchart of operation 2352 of Figure 12A performing determining a confirmation financial response message type from the received financial message in accordance with certain embodiments.

Arrow 2410 directs the flow of execution from starting operation 2352 to operation 2412. Operation 2412 performs determining a confirmation financial response message type from the received financial message. Arrow 2414 directs execution from operation 2412 to operation 2416. Operation 2416 terminates the operations of this flowchart.

Figure 14B depicts a detail flowchart of operation 2000 of Figure 5 further performing generating and sending a user acceptance message based upon receipt of a financial access message of confirmation financial response message type, in accordance with certain embodiments.

Arrow 2430 directs the flow of execution from starting operation 2000 to operation 2432. Operation 2432 performs generating a user acceptance message to the merchant access mechanism based upon the user acceptance state of the merchant offer message and based upon the received financial message of confirmation financial response message type. Arrow 2434 directs execution from operation 2432 to operation 2436. Operation 2436 performs sending the user acceptance message to the merchant access

mechanism. Arrow 2438 directs execution from operation 2436 to operation 2440. Operation 2440 terminates the operations of this flowchart.

Figure 15A depicts a detail flowchart of operation 2000 of Figure 5 further performing receiving an acknowledgement message of the user acceptance message and creating a financial acknowledgement message in accordance with certain embodiments.

Arrow 2450 directs the flow of execution from starting operation 2000 to operation 2452. Operation 2452 performs receiving an acknowledgement message of the user acceptance message from the merchant access mechanism to create a received acknowledgement message of the user acceptance message. Arrow 2454 directs execution from operation 2452 to operation 2456. Operation 2456 performs creating a financial acknowledgement message based upon the received acknowledgement message of the user acceptance message as the outgoing financial message.

Arrow 2458 directs execution from operation 2456 to operation 2460.

Operation 2460 terminates the operations of this flowchart.

Certain embodiments involve the financial access vending machine further containing a dispenser subsystem.

Figure 15B depicts a detail flowchart of operation 2000 of Figure 5 further performing creating a dispenser command and operating the dispenser subsystem based upon the dispenser command in accordance with certain embodiments.

Arrow 2470 directs the flow of execution from starting operation 2000 to operation 2472. Operation 2472 performs creating a dispenser command

based upon the received acknowledgement message of the user acceptance message. Arrow 2474 directs execution from operation 2472 to operation 2476. Operation 2476 performs operating the dispenser subsystem based upon the dispenser command. Arrow 2478 directs execution from operation 2476 to operation 2480. Operation 2480 terminates the operations of this flowchart.

Figure 16 depicts a simplified block diagram of computer system 1000 further containing a dispenser subsystem interface 1500 communicatively coupled 1108 to computer 1100 in accordance with certain further embodiments.

As discussed in Figure 4, computer system 1000 comprises a computer 1100 accessibly coupled 1102 to computer memory 1200. As used herein a computer system comprises at least one computer accessibly coupled to a computer memory. In certain embodiments, computer system 1000 comprises at least two computers, each with separate accessibly coupled computer memories. In certain embodiments, computer system 1000 comprises at least two computers, each sharing an accessibly coupled computer memory.

As discussed in Figure 4, computer system 1000 further comprises a user identifying interface subsystem 1300 communicatively coupled 1106 with computer 1100. User identifying subsystem 1300 includes at least one mechanism presenting a user stimulus output stream to a user and at least one mechanism by which computer system 1000 may be stimulated by a user to generate a user stimulus input stream. Embodiments of this subsystem will be discussed in greater detail later. User identifying interface subsystem 1300 can gather information sufficient to adequately identify the user for purposes of transacting financial and mercantile exchanges and agreements. In certain

further embodiments, user identifying interface subsystem 1300 further provides the user with mercantile offers, selection capability for financial and mercantile transactions and presentation of graphical data including at least one of the collection of presentation of maps and motion video.

As discussed in Figure 4, computer system 1000 further comprises local user access profile collection 1410 communicatively coupled 1140 with computer 1100. In certain embodiments, local user access profile collection 1410 contains an encapsulated system component coupled by an internal communication transport layer 1140 to computer 1100. Such an internal communication transport layer 1140 may be wireline in certain further embodiments. In certain further embodiments, the wireline transport layer 1140 includes an optical fiber, coaxial cable, twisted pair, ribbon cable, or buss strips on a printed circuit board. In certain further embodiments, local user access profile collection 1410 encapsulated system component further contains nonvolatile memory. In certain further embodiments, local identification 1410 encapsulated system component contains writable nonvolatile memory. In certain further embodiments, at least a part of the nonvolatile memory of local user access profile collection 1410 encapsulated system component is organized and accessed as a file management system.

In certain other further embodiments, local user access profile collection 1410 encapsulated system component contains write-once nonvolatile memory.

As discussed in Figure 4, in certain embodiments, local user access profile collection 1410 resides in part of computer memory 1200. In certain further embodiments, local identification 1410 resides in a portion of at least one nonvolatile memory component of computer memory 1200. In certain further

embodiments, local user access profile collection 1410 is organized and accessed 1140 as a file management system.

As discussed in Figure 4, in certain embodiments, communicative coupling 1140 between local identification 1410 and computer 1100 employs coding technology. Coding technology as used herein will refer to error detection codes, error detection and correction codes, encryption codes and combinations of these coding technologies. In certain further embodiments, communicative coupling 1140 employs distinct coding technologies depending upon whether the computer 1100 is performing reading access or writing access of local user access profile collection 1410.

Not previously shown or discussed in Figure 4, computer system 1000 further comprises dispenser subsystem interface 1500 communicatively coupled with an internal communication transport layer 1108 with computer 1100. Such an internal communication transport layer 1108 may be wireline in certain further embodiments. In certain further embodiments, the wireline transport layer 1108 includes an optical fiber, coaxial cable, twisted pair, ribbon cable, or buss strips on a printed circuit board.

Not previously shown or discussed in Figure 4, in certain embodiments, communicative coupling 1108 between dispenser subsystem interface 1500 and computer 1100 employs coding technology. In certain further embodiments, communicative coupling 1108 employs distinct coding technologies depending upon whether the computer 1100 is performing input or output access of dispenser subsystem interface 1500. Coding technology as used herein will refer to at least error detection codes, error detection and

correction codes, encryption codes and combinations of these coding technologies.

Figure 17 depicts a simplified system block diagram of dispenser subsystem interface 1500 in accordance with certain embodiments.

In certain embodiments, dispenser subsystem interface 1500 comprises a certificate dispenser controlled by certificate dispenser interface 1510 which is further coupled 1512 to dispenser subsystem interface communicative coupling 1108. In certain further embodiments, dispenser subsystem interface 1500 further comprises a second certificate dispenser controlled by certificate dispenser 2 interface 1520 which is further coupled 1522 to dispenser subsystem interface communicative coupling 1108.

In certain further embodiments, the certificate dispenser controlled by certificate dispenser interface 1510 further includes a certificate printer controlled by certificate dispenser interface 1510. In certain further embodiments, the certificate printer is fed printable media, including but not limited to, paper or card stock. In certain further embodiments, the certificate printer is fed paper or card stock, which has been previously treated with identifying markings. In certain further embodiments, these previously treated identifying markings include trademarks, digital, image or embossed watermarks on one or both sides of the paper or card stock. In certain other further embodiments, the certificate printer is multiple-sheet printer.

Certificate dispensers may be used to generate information regarding specific financial access mechanism transactions and logs of such transactions.

Certificate dispensers may also generate receipts of mercantile contracts

including reservations for accommodations, transportation, restaurants, as well as tickets to entertainment, sporting events, recreational activities or other cultural or religious events. Such tickets for recreational activities include but are not limited to ski lift tickets. Certificate dispensers may also generate maps and travel directions.

In certain embodiments, dispenser subsystem interface 1500 comprises a money dispenser controlled by money dispenser interface 1530 which is further coupled 1532 to dispenser subsystem interface communicative coupling 1108. In certain further embodiments, dispenser subsystem interface 1500 further comprises a second money dispenser controlled by money dispenser 2 interface 1540 which is further coupled 1542 to dispenser subsystem interface communicative coupling 1108. Note that in certain embodiments, multiple money dispensers may be provided to dispense moneys from different monetary systems.

Certain embodiments include dispenser subsystem interface 1500 comprising both a money dispenser controlled by money dispenser interface 1530 and a certificate dispenser controlled by certificate dispenser interface 1510. Certain further embodiments comprise more than two certificate dispensers. Certain other further embodiments comprise more than two money dispensers.

Certain embodiments include dispenser subsystem interface 1500 comprising other dispenser interface 1550 which is further coupled 1532 to dispenser subsystem interface communicative coupling 1108. In certain embodiments, other dispenser interface 1550 controls other dispensers, including but not limited to bottle dispensers. In certain embodiments, other dispenser interface 1550 controls other dispensers, including but not limited to canister

dispensers. In certain embodiments, other dispenser interface 1550 controls other dispensers, including but not limited to package dispensers.

Figure 18A depicts a detail flowchart of operation 2000 of Figure 5 performing operating the dispenser system based upon receiving a merchant dispenser command message in accordance with certain embodiments.

Arrow 2490 directs the flow of execution from starting operation 2000 to operation 2492. Operation 2492 performs operating the dispenser system based upon receiving a merchant dispenser command message. Arrow 2494 directs execution from operation 2492 to operation 2496. Operation 2496 terminates the operations of this flowchart.

Figure 18B depicts a detail flowchart of operation 2492 of Figure 18A further performing operating the dispenser system based upon receiving the merchant dispenser command message in accordance with certain embodiments.

Arrow 2510 directs the flow of execution from starting operation 2000 to operation 2512. Operation 2512 performs receiving the merchant dispenser command message from the merchant access mechanism to create a received merchant dispenser command message. Arrow 2514 directs execution from operation 2512 to operation 2516. Operation 2516 performs creating a merchant dispenser command based upon the received merchant dispenser command message. Arrow 2518 directs execution from operation 2516 to operation 2520. Operation 2520 performs operating the dispenser subsystem based upon the merchant dispenser command. Arrow 2522

directs execution from operation 2520 to operation 2524. Operation 2524 terminates the operations of this flowchart.

Figure 19A depicts a detail flowchart of operation 2212 of Figure 9 performing determining an approval response message type of a dispenser command permission message from the received financial message in accordance with certain embodiments.

Arrow 2530 directs the flow of execution from starting operation 2212 to operation 2532. Operation 2532 performs determining an approval response message type of a dispenser command permission message from the received financial message. Arrow 2534 directs execution from operation 2532 to operation 2536. Operation 2536 terminates the operations of this flowchart.

Figure 19B depicts a detail flowchart of operation 2516 of Figure 18B further performing creating a merchant dispenser command based upon the received merchant dispenser command message in accordance with certain embodiments.

Arrow 2550 directs the flow of execution from starting operation 2516 to operation 2552. Operation 2552 performs creating the dispenser command permission message as the outgoing financial message. Arrow 2554 directs execution from operation 2552 to operation 2556. Operation 2556 performs creating the merchant dispenser command based upon the received merchant dispenser command message and based upon the approval response message type of the dispenser command permission message from the received financial message. Arrow 2558 directs execution from operation

2556 to operation 2560. Operation 2560 terminates the operations of this flowchart.

Figure 20A depicts a detail flowchart of operation 2212 of Figure 9 performing determining a local user access profile maintenance message type from the received financial message in accordance with certain embodiments.

Arrow 2570 directs the flow of execution from starting operation 2212 to operation 2572. Operation 2572 performs determining a local user access profile maintenance message type from the received financial message.

Arrow 2574 directs execution from operation 2572 to operation 2576.

Operation 2576 terminates the operations of this flowchart.

Figure 20B depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the received financial message of local user access profile maintenance message type in accordance with certain embodiments.

Arrow 2590 directs the flow of execution from starting operation 2192 to operation 2592. Operation 2592 performs maintaining the local user access profile collection based upon the received financial message of local user access profile maintenance message type. Arrow 2594 directs execution from operation 2592 to operation 2596. Operation 2596 terminates the operations of this flowchart.

Figure 21A depicts a detail flowchart of operation 2000 of Figure 5 further performing creating a dispenser command and operating the dispenser subsystem based upon the dispenser command in accordance with certain embodiments.

Arrow 2610 directs the flow of execution from starting operation 2000 to operation 2612. Operation 2612 performs creating a dispenser command.

Arrow 2614 directs execution from operation 2612 to operation 2616.

Operation 2616 performs operating the dispenser subsystem based upon the dispenser command. Arrow 2618 directs execution from operation 2616 to operation 2620. Operation 2620 terminates the operations of this flowchart.

Figure 21 B depicts a detail flowchart of operation 2212 of Figure 9 performing determining a dispenser command option message type from the received financial message in accordance with certain embodiments.

Arrow 2630 directs the flow of execution from starting operation 2212 to operation 2632. Operation 2632 performs determining a dispenser command option message type from the received financial message. Arrow 2634 directs execution from operation 2632 to operation 2636. Operation 2636 terminates the operations of this flowchart.

Figure 21 C depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state, the local user access profile collection and based upon the received financial message of dispenser command option message type in accordance with certain embodiments.

Arrow 2650 directs the flow of execution from starting operation 2012 to operation 2652. Operation 2652 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the received financial message of dispenser command option message type. Arrow 2654 directs execution from operation

2652 to operation 2656. Operation 2656 terminates the operations of this flowchart.

Figure 22A depicts a detail flowchart of operation 2556 of Figure 19B further creating the merchant dispenser command based upon the received merchant dispenser command message of approval response message type to the dispenser command permission message from the received financial message in accordance with certain embodiments.

Arrow 2670 directs the flow of execution from starting operation 2556 to operation 2672. Operation 2672 determines when the received financial message is of approval response message type to the dispenser command permission message. Arrow 2674 directs execution from operation 2672 to operation 2676 when the determination is\'Yes\'. Arrow 2688 directs execution to 2680 when the determination is\'No\'.

Operation 2676 performs creating the merchant dispenser command based upon the received merchant dispenser command message and based upon the received financial message. Arrow 2678 directs execution from operation 2676 to operation 2680. Operation 2680 terminates the operations of this flowchart.

Figure 22B depicts a detail flowchart of operation 2592 of Figure 20B further performing maintaining the local user access profile collection based upon the received financial message of local user access profile maintenance message type in accordance with certain embodiments.

Arrow 2690 directs the flow of execution from starting operation 2592 to operation 2692. Operation 2692 determines when the received financial

message is of local user access profile maintenance message type. Arrow 2694 directs execution from operation 2692 to operation 2696 when the determination is\'Yes\'. Arrow 2708 directs execution to 2700 when the determination is\'No\'.

Operation 2696 performs maintaining the local user access profile collection based upon the received financial message. Arrow 2698 directs execution from operation 2696 to operation 2700. Operation 2700 terminates the operations of this flowchart.

Figure 23A depicts a detail flowchart of operation 2652 of Figure 21 C further performing generating the user stimulus output stream from the received user input state and the local user access profile collection based upon the received financial message of dispenser command option message type, in accordance with certain embodiments.

Arrow 2710 directs the flow of execution from starting operation 2652 to operation 2712. Operation 2712 determines when the received financial message is of the dispenser command option message type. Arrow 2714 directs execution from operation 2712 to operation 2716 when the determination is\'Yes\'. Arrow 2728 directs execution to 2720 when the determination is\'No\'.

Operation 2716 performs generating the user stimulus output stream from the received user input state, from the local user access profile collection and based upon the received financial message. Arrow 2718 directs execution from operation 2716 to operation 2720. Operation 2720 terminates the operations of this flowchart.

Figure 23B depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state to create a user dispenser option command in accordance with certain embodiments.

Arrow 2730 directs the flow of execution from starting operation 2004 to operation 2732. Operation 2732 performs processing the received user input state to create a user dispenser option command. Arrow 2734 directs execution from operation 2732 to operation 2736. Operation 2736 terminates the operations of this flowchart.

Figure 23C depicts a detail flowchart of operation 2612 of Figure 21A performing creating the dispenser command based upon the user dispenser option command in accordance with certain embodiments.

Arrow 2750 directs the flow of execution from starting operation 2612 to operation 2752. Operation 2752 performs creating the dispenser command based upon the user dispenser option command. Arrow 2754 directs execution from operation 2752 to operation 2756. Operation 2756 terminates the operations of this flowchart.

Figure 24A depicts a detail flowchart of operation 2212 of Figure 9 performing determining a dispenser command message type from the received financial message in accordance with certain embodiments.

Arrow 2770 directs the flow of execution from starting operation 2212 to operation 2772. Operation 2772 performs determining a dispenser command message type from the received financial message. Arrow 2774 directs execution from operation 2772 to operation 2776. Operation 2776 terminates the operations of this flowchart.

Figure 24B depicts a detail flowchart of operation 2612 of Figure 21A performing creating the dispenser command based upon the dispenser command message type from the received financial message in accordance with certain embodiments.

Arrow 2790 directs the flow of execution from starting operation 2612 to operation 2792. Operation 2792 performs creating the dispenser command based upon the dispenser command message type from the received financial message. Arrow 2794 directs execution from operation 2792 to operation 2796. Operation 2796 terminates the operations of this flowchart.

Figure 24C depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the activated financial access mechanism in accordance with certain embodiments.

Arrow 2810 directs the flow of execution from starting operation 2192 to operation 2812. Operation 2812 performs maintaining the local user access profile collection based upon the activated financial access mechanism.

Arrow 2814 directs execution from operation 2812 to operation 2816.

Operation 2816 terminates the operations of this flowchart.

Figure 25A depicts a detail flowchart of operation 2792 of Figure 24B further performing creating the dispenser command based upon the received financial message of dispenser command message type in accordance with certain embodiments.

Arrow 2830 directs the flow of execution from starting operation 2792 to operation 2832. Operation 2832 determines when the received financial

message is of the dispenser command message type. Arrow 2834 directs execution from operation 2832 to operation 2836 when the determination is \'Yes\'. Arrow 2848 directs execution to 2840 when the determination is\'No\'.

Operation 2836 performs creating the dispenser command based upon the received financial message. Arrow 2838 directs execution from operation 2836 to operation 2840. Operation 2840 terminates the operations of this flowchart.

Figure 25B depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the activated financial access mechanism and based upon the user identification, in accordance with certain embodiments.

Arrow 2850 directs the flow of execution from starting operation 2192 to operation 2852. Operation 2852 performs maintaining the local user access profile collection based upon the activated financial access mechanism and based upon the user identification. Arrow 2854 directs execution from operation 2852 to operation 2856. Operation 2856 terminates the operations of this flowchart.

Figure 25C depicts a detail flowchart of operation 2192 of Figure 8B performing maintaining the local user access profile collection based upon the user identification, in accordance with certain embodiments.

Arrow 2870 directs the flow of execution from starting operation 2192 to operation 2872. Operation 2872 performs maintaining the local user access profile collection based upon the user identification. Arrow 2874 directs

execution from operation 2872 to operation 2876. Operation 2876 terminates the operations of this flowchart.

Figure 26A depicts a detail flowchart of operation 2192 of Figure 8B performing creating a first local access profile node in the local user access profile collection in accordance with certain embodiments.

Arrow 2890 directs the flow of execution from starting operation 2192 to operation 2892. Operation 2892 performs creating a first local access profile node in the local user access profile collection. Arrow 2894 directs execution from operation 2892 to operation 2896. Operation 2896 terminates the operations of this flowchart.

Figure 26B depicts a detail flowchart of operation 2192 of Figure 8B performing deleting a first local access profile node from the local user access profile collection in accordance with certain embodiments.

Arrow 2910 directs the flow of execution from starting operation 2192 to operation 2912. Operation 2912 performs deleting a first local access profile node from the local user access profile collection. Arrow 2914 directs execution from operation 2912 to operation 2916. Operation 2916 terminates the operations of this flowchart.

Figure 26C depicts a detail flowchart of operation 2192 of Figure 8B performing modifying a first local access profile node in the local user access profile collection in accordance with certain embodiments.

Arrow 2930 directs the flow of execution from starting operation 2192 to operation 2932. Operation 2932 performs modifying a first local access

profile node in the local user access profile collection. Arrow 2934 directs execution from operation 2932 to operation 2936. Operation 2936 terminates the operations of this flowchart.

Figure 27 depicts local user access profile collection 1410 in accordance with certain embodiments.

In certain embodiments, computer 1100 is communicatively coupled 1140 to local user access profile collection 1410 which, in turn, contains 1412 local access profile node 1420.

In certain further embodiments, local access profile node 1420 contains 1432 a textual presentation content 1430.

In certain other further embodiments, local access profile node 1420 contains 1442 a graphical presentation content 1440.

In certain further embodiments, local access profile node 1420 contains 1432 graphical presentation content 1440, which in turn contains 1452 motion video content presentation 1450.

In certain further embodiments, local access profile node 1420 contains 1462 a synchronized audio sequence 1460. In certain embodiments, the synchronization of the synchronized audio sequence 1460 is based upon local access profile node 1420. In certain further embodiments, the synchronization of the synchronized audio sequence 1460 is based upon graphical presentation content 1440 as a whole. In certain further embodiments, the synchronization of the synchronized audio sequence 1460 is based upon motion video content presentation 1450. In certain other embodiments, the

synchronization of the synchronized audio sequence 1460 is based upon textual presentation content 1430.

In certain further embodiments, local access profile node 1420 contains more than one synchronized audio sequence.

In certain further embodiments, local access profile node 1420 contains 1432 graphical presentation content 1440, containing more than one motion video content presentation.

In certain embodiments local access profile node 1420 contains more than one graphical presentation content.

In certain other further embodiments, local user access profile collection 1410 contains 1414 a second local access profile node 1422. Additionally, local access profile node 1420 contains 1472 a link 1470 referencing 1474 the second local access profile node 1422. In certain further embodiments, local user access profile collection 1410 contains a third local access profile node, and local access profile node 1420 contains a second link, referencing the third local access profile node. In certain further embodiments, a local access profile node may contain more than two links referencing other local access profile nodes, which may or may not all be distinct local access profile nodes.

Figure 28A depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream from the received user input state, the local user access profile collection, with a first local access profile node containing a textual presentation content, in accordance with certain embodiments.

Arrow 2950 directs the flow of execution from starting operation 2012 to operation 2952. Operation 2952 performs selecting the first local access profile node in the local user access profile collection as a presentation node.

Arrow 2954 directs execution from operation 2952 to operation 2956.

Operation 2956 performs generating the user stimulus output stream from the received user input state and from the textual presentation content of the presentation node. Arrow 2958 directs execution from operation 2956 to operation 2960. Operation 2960 terminates the operations of this flowchart.

Figure 28B depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream from the received user input state and the local user access profile collection, with a first local access profile node containing a graphical presentation content, in accordance with certain embodiments.

Arrow 2970 directs the flow of execution from starting operation 2012 to operation 2972. Operation 2972 performs selecting the first local access profile node in the local user access profile collection as a presentation node.

Arrow 2974 directs execution from operation 2972 to operation 2976.

Operation 2976 performs generating the user stimulus output stream from the received user input state and from the graphical presentation content of the presentation node. Arrow 2978 directs execution from operation 2976 to operation 2980. Operation 2980 terminates the operations of this flowchart.

Figure 29A depicts a detail flowchart of operation 2976 of Figure 28B performing generating the user stimulus output stream from the received user input state and from the motion video presentation content of the presentation node in accordance with certain embodiments.

Arrow 2990 directs the flow of execution from starting operation 2976 to operation 2992. Operation 2992 performs generating the user stimulus output stream from the received user input state and from the motion video presentation content of the presentation node. Arrow 2994 directs execution from operation 2992 to operation 2996. Operation 2996 terminates the operations of this flowchart.

Figure 29B depicts a detail flowchart of operation 2012 of Figure 5 further performing generating the user stimulus output stream from the received user input state and from the local user access profile collection, with a first local access profile node containing a synchronized audio presentation content, in accordance with certain embodiments.

Arrow 3000 directs the flow of execution from starting operation 2012 to operation 3002. Operation 3002 performs selecting the first local access profile node in the local user access profile collection as a presentation node.

Arrow 3004 directs execution from operation 3002 to operation 3006.

Operation 3006 performs generating the user stimulus output stream from the received user input state and from the synchronized audio sequence of the presentation node. Arrow 3008 directs execution from operation 3006 to operation 3010. Operation 3010 terminates the operations of this flowchart.

Figure 30A depicts a detail flowchart of operation 2004 of Figure 5 performing processing the received user input state based upon the first local access profile node containing the link to the second local access profile node to create a user node selection in accordance with certain embodiments.

Arrow 3030 directs the flow of execution from starting operation 2004 to operation 3032. Operation 3032 performs processing the received user input state based upon the first local access profile node containing the link to the second local access profile node to create a user node selection. Arrow 3034 directs execution from operation 3032 to operation 3036. Operation 3036 terminates the operations of this flowchart.

Figure 30B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state and the local user access profile collection based upon the user node selection in accordance with certain embodiments.

Arrow 3050 directs the flow of execution from starting operation 2012 to operation 3052. Operation 3052 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user node selection. Arrow 3054 directs execution from operation 3052 to operation 3056. Operation 3056 terminates the operations of this flowchart.

Figure 31 A depicts a presentation node collection 1600 coupled 1610 with computer 1100, comprising 1602 presentation reference 1610 associated 1612 with local access profile node 1420 of 1412 local user access profile collection 1410 coupled 1140 with computer 1100, in accordance with certain embodiments.

Note that in certain embodiments, presentation node collection 1600 may comprise more than one presentation reference. In certain embodiments, the default presentation node collection may contain a default presentation

reference associated with an initial local access profile node. The initial local access profile node may contain a welcome textual message, graphical presentation content, motion video sequence and/or a synchronized audio sequence which may repetitively be presented until user triggered stimulus is received in the user stimulus input stream.

In certain embodiments, presentation node collection 1600 is communicatively coupled 1610 to computer 1100 of computer system 1000. Such coupling 1610 may be through residing in computer memory 1200, in certain further embodiments. Coupling 1610 can be effected as a communications link to a physically distinct unit, such as a PCMCIA card, or embedded processor subsystem, in certain embodiments. In certain further embodiments, coupling 1610 includes a physical transport layer. In certain further embodiments, coupling 1610 physical transport layer includes, but is not limited to, a wireline physical transport layer. Such wireline physical transport layers include but are not limited to electromagnetic and optical signaling physical transport mechanisms. In certain other further embodiments, coupling 1610 physical transport layer includes, but is not limited to, a wireless physical transport layer. Such wireless physical transport layers include but are not limited to electromagnetic field, microwave, infrared and optical wireless physical transport layers.

In certain further embodiments, presentation node collection 1600 acts as a list of presentation references. In certain other further embodiments, presentation node collection 1600 acts as a table of presentation references.

In certain other further embodiments, presentation node collection 1600 acts as a file of presentation references accessed as through a file management

system. In certain other further embodiments, presentation node collection 1600 acts as a collection of presentation program code segments. In certain further embodiments, presentation node collection 1600 acts as a collection of presentation program code segments in JAVA. In certain further embodiments, presentation node collection 1600 acts as a collection of presentation program code segments in HTML (Hyper Text Markup Language). In certain further embodiments, presentation node collection 1600 acts as a collection of presentation program code segments in VRML (Virtual Reality markup Language). In certain further embodiments, presentation node collection 1600 acts as a collection of presentation program code segments in ActiveX.

Figure 31 B depicts user navigation command collection 1700 comprising a select node command 1710, a delete node command 1720 and a reset node list command 1730, in accordance with certain embodiments.

In certain embodiments, the user stimulates the financial access vending machine whereby the user identifying interface includes in the user stimulus input stream designations referring to one or more of the members of the user navigation command collection 1700.

Figure 32A depicts a detail flowchart of operation 2000 of Figure 5 further performing maintaining a presentation node collection comprising at least one presentation reference to an associated local access profile node of the local user access profile collection in accordance with certain embodiments.

Arrow 3070 directs the flow of execution from starting operation 2000 to operation 3072. Operation 3072 performs maintaining a presentation node

collection comprising at least one presentation reference to an associated local access profile node of the local user access profile collection. Arrow 3074 directs execution from operation 3072 to operation 3076. Operation 3076 terminates the operations of this flowchart.

Figure 32B depicts a detail flowchart of operation 2012 of Figure 5 A performing generating the user stimulus output stream from the received user input state, the local user access profile collection based upon the user navigation input, the user identification and the presentation node collection in accordance with certain embodiments.

Arrow 3090 directs the flow of execution from starting operation 2012 to operation 3092. Operation 3092 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and based upon the user navigation input and based upon the user identification and based upon the presentation node collection.

Arrow 3094 directs execution from operation 3092 to operation 3096.

Operation 3096 terminates the operations of this flowchart.

Figure 33A depicts a detail flowchart of operation 3072 of Figure 32A further performing maintaining the presentation node collection comprising presentation references to the associated local access profile node of the local user access profile collection in accordance with certain embodiments.

Arrow 3110 directs the flow of execution from starting operation 3072 to operation 3112. Operation 3112 performs selecting a first of the local access profile nodes of the local user access profile collection to create a first of the presentation references of the presentation node collection as the associated

local access profile node when the user navigation input includes the select node command. Arrow 3114 directs execution from operation 3112 to operation 3116. Operation 3116 terminates the operations of this flowchart.

Arrow 3120 directs the flow of execution from starting operation 3072 to operation 3122. Operation 3122 performs removing the first presentation reference of the presentation node collection as the associated local access profile node when the user navigation input includes the remove node command. Arrow 3124 directs execution from operation 3122 to operation 3116. Operation 3116 terminates the operations of this flowchart.

Arrow 3130 directs the flow of execution from starting operation 3072 to operation 3132. Operation 3132 performs resetting at least the first presentation reference of the presentation node collection as the associated local access profile node to a reference to a predetermined first of the local access profile nodes of the local user access profile collection to create the first presentation reference of the presentation node collection as the associated local access profile node when the user navigation input includes the reset node list command. Arrow 3134 directs execution from operation 3132 to operation 3116. Operation 3116 terminates the operations of this flowchart.

In certain embodiments, at least one of these operations is included in maintaining the presentation node collection. In certain further embodiments, all of these operations are included in maintaining the presentation node collection.

Figure 33B depicts a detail flowchart of operation 3112 of Figure 33A further performing selecting a first local access profile node to create a first presentation reference of the presentation node collection when the user navigation input includes the select node command in accordance with certain embodiments.

Arrow 3150 directs the flow of execution from starting operation 3112 to operation 3152. Operation 3152 determines when the user navigation input includes the select node command. Arrow 3154 directs execution from operation 3152 to operation 3156 when the determination is\'Yes\'. Arrow 3168 directs execution to 3160 when the determination is\'No\'.

Operation 3156 performs selecting a first of the local access profile nodes of the local user access profile collection to create a first of the presentation references of the presentation node collection as the associated local access profile node. Arrow 3158 directs execution from operation 3156 to operation 3160. Operation 3160 terminates the operations of this flowchart.

Figure 34A depicts a detail flowchart of operation 3122 of Figure 33B further performing removing the first presentation reference of the presentation node collection as the associated local access profile node when the user navigation input includes the remove node command in accordance with certain embodiments.

Arrow 3170 directs the flow of execution from starting operation 3122 to operation 3172. Operation 3172 determines when the user navigation input includes the remove node command. Arrow 3174 directs execution from

operation 3172 to operation 3176 when the determination is\'Yes\'. Arrow 3188 directs execution to 3180 when the determination is\'No\'.

Operation 3176 performs removing the first presentation reference of the presentation node collection as the associated local access profile node.

Arrow 3178 directs execution from operation 3176 to operation 3180.

Operation 3180 terminates the operations of this flowchart.

Figure 34B depicts a detail flowchart of operation 3132 of Figure 33A further performing resetting at least the first presentation reference of the presentation node collection when the user navigation input includes the reset node list command in accordance with certain embodiments.

Arrow 3190 directs the flow of execution from starting operation 3132 to operation 3192. Operation 3192 determines when the user navigation input includes the reset node list command. Arrow 3194 directs execution from operation 3192 to operation 3196 when the determination is\'Yes\'. Arrow 3208 directs execution to 3200 when the determination is\'No\'.

Operation 3196 performs resetting at least the first presentation reference of the presentation node collection as the associated local access profile node.

The first presentation reference of the presentation node collection is associated local access profile node to a reference of a predetermined first of the local access profile nodes of the local user access profile collection.

Arrow 3198 directs execution from operation 3196 to operation 3200.

Operation 3200 terminates the operations of this flowchart.

Figure 35 depicts a simplified system block diagram of computer 1100 communicatively coupled 1106 with user identifying interface subsystem

1300, as shown in Figure 4 comprising various subsystems in accordance with certain embodiments.

In certain further embodiments, user identifying interface subsystem 1300 comprises user presentation subsystem 1310 communicatively coupled 1130 to computer 1100 via communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100. User identifying interface subsystem 1300 further comprises user response subsystem 1320 communicatively coupled 1132 to computer 1100 via communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100.

In certain further embodiments, user identifying interface subsystem 1300 comprises access card interface subsystem 1310 communicatively coupled 1134 to computer 1100 via communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100.

Figure 36 depicts a more detailed system block diagram of user identifying interface subsystem 1300 with its communicative coupling 1106 as shown in Figure 35 further comprising coupled subsystems in accordance with certain embodiments.

As shown in Figure 35, in certain further embodiments, user identifying interface subsystem 1300 comprises user presentation subsystem 1310 communicatively coupled 1130 to computer 1100 via communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100.

User identifying interface subsystem 1300 further comprises user response subsystem 1320 communicatively coupled 1132 to computer 1100 via

communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100.

In certain further embodiments, user presentation subsystem 1310 is comprised of user video subsystem 1314 communicatively coupled 1312 to computer 1100 via coupling 1130 and via coupling 1106. User video subsystem 1314 supports motion video screen presentations in certain further embodiments. User video subsystem 1314 supports more than two- dimensional presentations in certain further embodiments. User video subsystem 1314 supports more than two-dimensional motion video presentations in certain further embodiments.

In certain further embodiments, user presentation subsystem 1310 is comprised of user acoustic output subsystem 1318 communicatively coupled 1316 to computer 1100 via coupling 1130 and via coupling 1106. User acoustic output subsystem 1318 supports single channel, or monophonic, acoustic presentations in certain further embodiments. User acoustic output subsystem 1318 supports multiple channel acoustic presentations in certain further embodiments.

In certain further embodiments, user response subsystem 1320 is comprised of user tactile interface subsystem 1340 communicatively coupled 1341 to computer 1100 via coupling 1356 and via coupling 1132 and via coupling 1106. As used herein tactile refers to the physical presence of the user, which may be sensed by physical contact, or physical proximity to the financial access vending machine, or parts of the financial access vending machine.

In certain further embodiments, user tactile interface subsystem 1340 is comprised of user touch input subsystem 1342 communicatively coupled 1341 to computer 1100 via coupling 1351 and via coupling 1156 and via coupling 1132 and via coupling 1106.

In certain further embodiments, user touch input subsystem 1342 is comprised of user touch keypad subsystem 1346 communicatively coupled 1344 to computer 1100 via coupling 1341 and via coupling 1351 and via coupling 1156 and via coupling 1132 and via coupling 1106. In certain further embodiments, user touch keypad subsystem 1346 includes a traditional user touch keypad. In certain other further embodiments, user touch keypad subsystem 1346 includes a touch sensitive membrane. In certain further embodiments the touch sensitive membrane is at least partially transparent and mounted near at least a portion of the user video subsystem. The user is directed by the displayed presentation material to respond by touch to certain regions of the touch sensitive membrane. In certain further embodiments, proximity sensors or sensor arrays are employed as the user touch keypad subsystem. These proximity sensors may be further aligned with the presentation of the user video subsystem to direct the user to move within the sensor range of the proximity sensors.

In certain further embodiments, user touch input subsystem 1342 is comprised of user handprint sensor subsystem 1350 communicatively coupled 1348 to computer 1100 via coupling 1341 and via coupling 1151 and via coupling 1356 and via coupling 1132 and via coupling 1106. As used herein, handprint sensor refers not only to sensing the entire handprint, but

also the ridge pattern of a finger or thumb, or combination of fingers and thumbs.

In certain further embodiments, user tactile interface subsystem 1340 is comprised of user retinal sensor subsystem 1354 communicatively coupled 1352 to computer 1100 via coupling 1351 and via coupling 1156 and via coupling 1132 and via coupling 1106. Note that in certain further embodiments, the user\'s face comes in close proximity to the retinal scanner subsystem. In certain other further embodiments, the user\'s face touches the retinal scanner subsystem.

In certain further embodiments, user response subsystem 1320 is comprised of user photographic sensor subsystem 1358 communicatively coupled 1360 to computer 1100 via coupling 1356 and via coupling 1132 and via coupling 1106. In certain further embodiments, user photographic sensor subsystem 1358 captures a still frame of the user. In certain further embodiments, user photographic sensor subsystem captures a sequence of frames incorporating an aspect of motion regarding the user. In certain further embodiments, such captured motion information can be used to interpret sign language.

In certain further embodiments, user response subsystem 1320 is comprised of user acoustic sensor subsystem 1362 communicatively coupled 1364 to computer 1100 via coupling 1356 and via coupling 1132 and via coupling 1106. In certain further embodiments, user acoustic sensor subsystem 1362 includes ambient noise acoustic sensors. In certain further embodiments, user acoustic sensor subsystem 1362 includes ambient noise acoustic suppression of the user acoustic input stream.

As shown in Figure 35, in certain further embodiments, user identifying interface subsystem 1300 comprises access card interface subsystem 1310 communicatively coupled 1134 to computer 1100 via communicative coupling 1106 between user identifying interface subsystem 1300 and computer 1100.

In certain further embodiments, access card interface subsystem 1310 comprises access card interface 1334 communicatively coupled 1332 to computer 1100 via coupling 1331 and via coupling 1106. In certain further embodiments, access card interface 1334 includes the capability to read a magnetic strip access card. In certain other further embodiments, access card interface 1334 includes the capability to read a smart card.

In certain further embodiments, access card interface subsystem 1310 comprises access card interface 1338 communicatively coupled 1336 to computer 1100 via coupling 1331 and via coupling 1106. In certain further embodiments, access card interface 1338 includes the capability to read a magnetic strip access card. In certain other further embodiments, access card interface 1338 includes the capability to read a smart card.

As used herein, the various couplings, layers of couplings and tree structure of couplings may be implemented with either wireline or wireless physical transport layers. The physical transport layers may vary from one coupling to another. Each layer of coupling may further interface to the more detailed layers of couplings through gateway mechanisms which may vary from simple transponders to sophisticated coding translation mechanisms between coupling layer transponder$.

Figure 37A depicts a detail flowchart of operation 2022 of Figure 5 performing sending the user stimulus output stream to the user presentation subsystem in accordance with certain embodiments.

Arrow 3210 directs the flow of execution from starting operation 2022 to operation 3212. Operation 3212 performs sending the user stimulus output stream to the user presentation subsystem. Arrow 3214 directs execution from operation 3212 to operation 3216. Operation 3216 terminates the operations of this flowchart.

Figure 37B depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user stimulus input stream from the user response subsystem to create the received user input state in accordance with certain embodiments.

Arrow 3230 directs the flow of execution from starting operation 2004 to operation 3232. Operation 3232 performs receiving a user stimulus input stream from the user response subsystem to create the received user input state. Arrow 3234 directs execution from operation 3232 to operation 3236.

Operation 3236 terminates the operations of this flowchart.

Figure 38A depicts a user output stimulus stream 1700 and several output stimulus streams contained in the user stimulus output stream, as well as user stimulus input stream 1800, received user input state 1810 and various derived components from the received user input state, in accordance with certain embodiments.

In certain embodiments, user output stimulus stream 1700 is comprised of user audio video output stream 1710. In certain further embodiments, user audio video output stream 1710 is further comprised of user video output

stream 1720 and user audio output stream 1730. In certain further embodiments, user video output stream 1720 supports motion video. In certain further embodiments, user video output stream 1720 supports more than two-dimensional presentations. In certain further embodiments, user video output stream 1720 supports more than two-dimensional motion video.

In certain other further embodiments, a synchronization scheme between at least part of the user video output stream and the user audio output stream in employed.

In certain embodiments, user output stimulus stream 1700 is comprised of user video output stream 1720 and user audio output stream 1730. In certain further embodiments, user video output stream 1720 supports motion video.

In certain further embodiments, user video output stream 1720 supports more than two-dimensional presentations. In certain further embodiments, user video output stream 1720 supports more than two-dimensional motion video.

In certain other further embodiments, a synchronization scheme between at least part of the user video output stream and the user audio output stream in employed.

In certain embodiments, user output stimulus stream 1700 is comprised of user video output stream 1720. In certain further embodiments, user video output stream 1720 supports motion video. In certain further embodiments, user video output stream 1720 supports more than two-dimensional presentations. In certain further embodiments, user video output stream 1720 supports more than two-dimensional motion video.

In certain embodiments, user stimulus input stream 1800 is further comprised of user audio input stream 1802. In certain embodiments, user stimulus input stream 1800 is further comprised of user tactile input stream 1804.

In certain embodiments, user stimulus input stream 1800 is processed to create received user input state 1810.

In certain further embodiments, received user input state 1810 is processed to create user navigation input 1812.

In certain further embodiments, received user input state 1810 is processed to create user identification 1814.

In certain further embodiments, received user input state 1810 is processed to create financial transaction request message 1816.

In certain further embodiments, received user input state 1810 is processed to create user acceptance state 1818.

In certain further embodiments, received user input state 1810 is processed to create acceptance financial access request message 1820. In certain further embodiments, received user input state 1810 and user acceptance state 1818 are processed to create acceptance financial access request message 1820.

In certain further embodiments, received user input state 1810 is processed to create user dispenser option command 1822.

In certain further embodiments, received user input state 1810 is processed to create user node selection 1824.

In certain further embodiments, received user input state 1810 is processed to create user tactile input state 1826. In certain further embodiments, user tactile input state 1826 is processed to create user identification state 1828.

Figure 38B depicts a detail flowchart of operation 2022 of Figure 5 performing sending the user video output stream to the user video subsystem in accordance with certain embodiments.

Arrow 3250 directs the flow of execution from starting operation 2022 to operation 3252. Operation 3252 performs sending the user video output stream to the user video subsystem. Arrow 3254 directs execution from operation 3252 to operation 3256. Operation 3256 terminates the operations of this flowchart.

Figure 39A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving the user tactile input stream from the user tactile input subsystem to create a received user tactile input state in accordance with certain embodiments.

Arrow 3270 directs the flow of execution from starting operation 2004 to operation 3272. Operation 3272 performs receiving the user tactile input stream from the user tactile input subsystem to create a received user tactile input state. Arrow 3274 directs execution from operation 3272 to operation 3276. Operation 3276 terminates the operations of this flowchart.

Figure 39B depicts a detail flowchart of operation 2032 of Figure 5 B performing processing the received user tactile input state to create a user identification state in accordance with certain embodiments.

Arrow 3290 directs the flow of execution from starting operation 2032 to operation 3292. Operation 3292 performs processing the received user tactile input state to create a user identification state. Arrow 3294 directs execution from operation 3292 to operation 3296. Operation 3296 terminates the operations of this flowchart.

Figure 40 depicts a detail flowchart of operation 2032 of Figure 5B further performing processing the received user input state to create the user identification in accordance with certain embodiments.

Arrow 3310 directs the flow of execution from starting operation 2032 to operation 3312. Operation 3312 performs sending a financial identification confirmation request message based upon the user identification state to the activated financial access mechanism to create a sent financial identification confirmation request message. Arrow 3314 directs execution from operation 3312 to operation 3316. Operation 3316 performs receiving a financial message from the activated financial access mechanism a financial identification confirmation message responding to the sent financial identification confirmation request message to create a received financial identification confirmation message. Arrow 3318 directs execution from operation 3316 to operation 3320. Operation 3320 performs processing the received financial identification confirmation message to create the user identification. Arrow 3322 directs execution from operation 3320 to operation 3324. Operation 3324 terminates the operations of this flowchart.

The operations of this flowchart receive a financial confirmation message, which is processed to create a user identification.

Figure 41 A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user tactile input stream from the user tactile input subsystem to create a user tactile input state, in accordance with certain embodiments, where the user identifying interface subsystem comprises a user tactile input subsystem.

Arrow 3330 directs the flow of execution from starting operation 2004 to operation 3332. Operation 3332 performs receiving a user tactile input stream from the user tactile input subsystem to create a user tactile input state. Arrow 3334 directs execution from operation 3332 to operation 3336.

Operation 3336 terminates the operations of this flowchart.

Figure 41B depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user handprint sensor input state from the user handprint sensor subsystem in accordance with certain embodiments.

Arrow 3350 directs the flow of execution from starting operation 3332 to operation 3352. Operation 3352 performs receiving a user handprint sensor input state from the user handprint sensor subsystem. Arrow 3354 directs execution from operation 3352 to operation 3356. Operation 3356 terminates the operations of this flowchart.

Figure 41C depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user retinal sensor input state from the user retinal sensor subsystem in accordance with certain embodiments.

Arrow 3370 directs the flow of execution from starting operation 3332 to operation 3372. Operation 3372 performs receiving a user retinal sensor input state from the user retinal sensor subsystem. Arrow 3374 directs

execution from operation 3372 to operation 3376. Operation 3376 terminates the operations of this flowchart.

Figure 42A depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user photographic sensor input state from the user photographic sensor subsystem in accordance with certain embodiments.

Arrow 3390 directs the flow of execution from starting operation 3332 to operation 3392. Operation 3392 performs receiving a user photographic sensor input state from the user photographic sensor subsystem. Arrow 3394 directs execution from operation 3392 to operation 3396. Operation 3396 terminates the operations of this flowchart.

Figure 42B depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user acoustic sensor input stream from the user acoustic sensor subsystem to create a user acoustic sensor input state in accordance with certain embodiments.

Arrow 3410 directs the flow of execution from starting operation 3332 to operation 3412. Operation 3412 performs receiving a user acoustic sensor input stream from the user acoustic sensor subsystem to create a user acoustic sensor input state. Arrow 3414 directs execution from operation 3412 to operation 3416. Operation 3416 terminates the operations of this flowchart.

Figure 42C depicts a detail flowchart of operation 3332 of Figure 41A performing receiving a user touch keypad input state from the user touch keypad input subsystem in accordance with certain embodiments.

Arrow 3430 directs the flow of execution from starting operation 3332 to operation 3432. Operation 3432 performs receiving a user touch keypad input state from the user touch keypad input subsystem. Arrow 3434 directs execution from operation 3432 to operation 3436. Operation 3436 terminates the operations of this flowchart.

Figure 43A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving an access card input stream from the access card interface subsystem to create an access card input state in accordance with certain embodiments.

Arrow 3450 directs the flow of execution from starting operation 2004 to operation 3452. Operation 3452 performs receiving an access card input stream from the access card interface subsystem to create an access card input state. Arrow 3454 directs execution from operation 3452 to operation 3456. Operation 3456 terminates the operations of this flowchart.

Figure 43B depicts a detail flowchart of operation 2112 of Figure 7A further performing activating the financial access mechanism reference to create the activated financial access mechanism in accordance with certain embodiments.

Arrow 3470 directs the flow of execution from starting operation 2112 to operation 3472. Operation 3472 performs making a financial access mechanism reference message based upon the financial access mechanism reference and the access card input state. Arrow 3474 directs execution from operation 3472 to operation 3476. Operation 3476 performs using the financial access mechanism reference message to create the activated

financial access mechanism. Arrow 3478 directs execution from operation 3476 to operation 3480. Operation 3480 terminates the operations of this flowchart.

Figure 44 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to create the activated financial access mechanism in accordance with certain embodiments.

Arrow 3490 directs the flow of execution from starting operation 3476 to operation 3492. Operation 3492 performs sending the financial access mechanism reference message to a financial access server. Arrow 3494 directs execution from operation 3492 to operation 3496. Operation 3496 performs receiving a financial access mechanism activation confirmation message from the financial access server. Arrow 3498 directs execution from operation 3496 to operation 3500. Operation 3500 performs processing the financial access mechanism activation confirmation message to create the activated financial access mechanism. Arrow 3502 directs execution from operation 3500 to operation 3504. Operation 3504 terminates the operations of this flowchart.

Figure 45 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to create the activated financial access mechanism in accordance with certain embodiments.

Arrow 3530 directs the flow of execution from starting operation 3476 to operation 3532. Operation 3532 performs sending the financial access

mechanism reference message to a vending system server. Arrow 3534 directs execution from operation 3532 to operation 3536. Operation 3536 performs receiving a financial access mechanism activation confirmation message from the vending system server. Arrow 3538 directs execution from operation 3536 to operation 3540. Operation 3540 performs processing the financial access mechanism activation confirmation message to create the activated financial access mechanism. Arrow 3542 directs execution from operation 3540 to operation 3544. Operation 3544 terminates the operations of this flowchart.

Figure 46 depicts a detail flowchart of operation 3476 of Figure 43B further performing using the financial access mechanism reference message to create the activated financial access mechanism in accordance with certain embodiments.

Arrow 3550 directs the flow of execution from starting operation 3476 to operation 3552. Operation 3552 performs sending the financial access mechanism reference message to a financial access card controller. Arrow 3554 directs execution from operation 3552 to operation 3556. Operation 3556 performs receiving a financial access mechanism activation confirmation message from the financial access card controller. Arrow 3558 directs execution from operation 3556 to operation 3560. Operation 3560 performs processing the financial access mechanism activation confirmation message to create the activated financial access mechanism. Arrow 3562 directs execution from operation 3560 to operation 3564. Operation 3564 terminates the operations of this flowchart.

Figure 47A depicts a detail flowchart of operation 2004 of Figure 5 performing receiving an access card input stream from the access card interface subsystem to create an access card input state in accordance with certain embodiments.

Arrow 3570 directs the flow of execution from starting operation 2004 to operation 3572. Operation 3572 performs receiving an access card input stream from the access card interface subsystem to create an access card input state. Arrow 3574 directs execution from operation 3572 to operation 3576. Operation 3576 terminates the operations of this flowchart.

Figure 47B depicts a detail flowchart of operation 2092 of Figure 6C performing processing the access card input state to create the financial access mechanism reference in accordance with certain embodiments.

Arrow 3590 directs the flow of execution from starting operation 2092 to operation 3592. Operation 3592 performs processing the access card input state to create the financial access mechanism reference. Arrow 3594 directs execution from operation 3592 to operation 3596. Operation 3596 terminates the operations of this flowchart.

Figure 47C depicts a detail flowchart of operation 2004 of Figure 5 performing receiving a user response input stream from the user response subsystem to create a received user response state in accordance with certain embodiments.

Arrow 3610 directs the flow of execution from starting operation 2004 to operation 3612. Operation 3612 performs receiving a user response input stream from the user response subsystem to create a received user response

state. Arrow 3614 directs execution from operation 3612 to operation 3616.

Operation 3616 terminates the operations of this flowchart.

Figure 48A depicts a detail flowchart of operation 2092 of Figure 6 C performing processing the access card input state and the received user response state to create the financial access mechanism reference in accordance with certain embodiments.

Arrow 3630 directs the flow of execution from starting operation 2092 to operation 3632. Operation 3632 performs processing the access card input state and the received user response state to create the financial access mechanism reference. Arrow 3634 directs execution from operation 3632 to operation 3636. Operation 3636 terminates the operations of this flowchart.

Figure 48B depicts a detail flowchart of operation 2012 of Figure 5 performing generating the user stimulus output stream from the received user input state and from the local user access profile collection and from the access card input state in accordance with certain embodiments.

Arrow 3650 directs the flow of execution from starting operation 2012 to operation 3652. Operation 3652 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection and from the access card input state. Arrow 3654 directs execution from operation 3652 to operation 3656. Operation 3656 terminates the operations of this flowchart.

Figure 48C depicts a detail flowchart of operation 3632 of Figure 48A performing selecting the financial access mechanism reference based upon the financial access mechanism reference choice list of the access card input

state and based upon the received user response state in accordance with certain embodiments.

Arrow 3670 directs the flow of execution from starting operation 3632 to operation 3672. Operation 3672 performs selecting the financial access mechanism reference based upon the financial access mechanism reference choice list of the access card input state and based upon the received user response state. Arrow 3674 directs execution from operation 3672 to operation 3676. Operation 3676 terminates the operations of this flowchart.

Figure 49 depicts an access card input state 1900 and various components associated with access card input state 1900 in accordance with certain embodiments.

In certain embodiments, a financial access mechanism reference 1902 may be derived from access card input state 1900. In certain further embodiments, a financial access mechanism reference 1902 may be derived from access card input state 1900 and from the user stimulus input stream.

In certain other embodiments, a financial access mechanism choice list 1910 may be derived from access card input state 1900. In certain further embodiments, financial access mechanism choice list 1910 contains a first financial access mechanism reference choice 1912. In certain further embodiments, financial access mechanism choice list 1910 contains two financial access mechanism reference choices 1912 and 1914. In certain further embodiments, financial access mechanism choice list 1910 contains more than two financial access mechanism reference choices 1912, 1914 and 1916.

Figure 50 depicts various components included in local user access profile collection 1410 in accordance with certain embodiments.

In certain embodiments, local user access profile collection 1410 includes 1472 locale topographic database 1470.

In certain embodiments, local user access profile collection 1410 includes 1474 default map 1476.

In certain embodiments, local user access profile collection 1410 includes 1482 local merchant collection 1480. In certain further embodiments, local merchant collection 1480 includes 1484 local merchant entry 1486 containing at least the merchant name and merchant location. In certain further embodiments, local merchant collection 1480 includes more than one local merchant entry. In certain other further embodiments, a local merchant entry includes a mercantile classification. In certain further embodiments, the mercantile classification includes designations for food, clothing, shelter and transportation. In certain further embodiments, the mercantile classification includes attributed designations such as food : restaurant, food : grocery, transportation : bus, etc.

In certain embodiments, local user access profile collection 1410 includes 1492 user input history collection 1490. In certain further embodiments, user input history collection includes 1494 at least one user input history bin 1496.

Figure 51A depicts a detail flowchart of operation 2072 of Figure 6B performing generating the user stimulus output stream from the received user input state and from the local user access profile collection including the

locale topographic database based upon the user navigation input in accordance with certain embodiments.

Arrow 3690 directs the flow of execution from starting operation 2072 to operation 3692. Operation 3692 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection including the locale topographic database based upon the user navigation input. Arrow 3694 directs execution from operation 3692 to operation 3696. Operation 3696 terminates the operations of this flowchart.

Figure 51 B depicts a detail flowchart of operation 3692 of Figure 51 A further performing generating the user stimulus output stream from the received user input state and from the local user access profile collection including the locale topographic database based upon the user navigation input in accordance with certain embodiments.

Arrow 3710 directs the flow of execution from starting operation 3692 to operation 3712. Operation 3712 performs selecting a first of the local merchant entries of the local merchant collection based upon the user navigation input. Arrow 3714 directs execution from operation 3712 to operation 3716. Operation 3716 performs generating the user stimulus output stream from the received user input state and from the local user access profile collection including the locale topographic database based upon the user navigation input and based upon the first local merchant entry of the local merchant collection. Arrow 3718 directs execution from operation 3716 to operation 3720. Operation 3720 terminates the operations of this flowchart.

Figure 52A depicts a detail flowchart of operation 3716 of Figure 51B performing generating a travel description from the financial access vending machine to the merchant location of the first local merchant entry of the local merchant collection based upon local user access profile collection including the locale topographic database in accordance with certain embodiments.

Arrow 3730 directs the flow of execution from starting operation 3716 to operation 3732. Operation 3732 performs generating a travel description from the financial access vending machine to the merchant location of the first local merchant entry of the local merchant collection based upon local user access profile collection including the locale topographic database. Arrow 3734 directs execution from operation 3732 to operation 3736. Operation 3736 terminates the operations of this flowchart.

Figure 52B depicts a detail flowchart of operation 2022 of Figure 5 performing generating the user stimulus output stream from the received user input state and from the default map included in the local user access profile collection in accordance with certain embodiments.

Arrow 3750 directs the flow of execution from starting operation 2022 to operation 3752. Operation 3752 performs generating the user stimulus output stream from the received user input state and from the default map included in the local user access profile collection. Arrow 3754 directs execution from operation 3752 to operation 3756. Operation 3756 terminates the operations of this flowchart.

Figure 53A depicts a detail flowchart of operation 2000 of Figure 5 performing maintaining a user input history collection comprised of at least one user input history bin in accordance with certain embodiments.

Arrow 3770 directs the flow of execution from starting operation 2000 to operation 3772. Operation 3772 performs maintaining a user input history collection comprised of at least one user input history bin. Arrow 3774 directs execution from operation 3772 to operation 3776. Operation 3776 terminates the operations of this flowchart.

Figure 53B depicts a detail flowchart of operation 3772 of Figure 53A further performing maintaining a user input history collection comprised of at least one user input history bin in accordance with certain embodiments.

Arrow 3790 directs the flow of execution from starting operation 3772 to operation 3792. Operation 3792 performs reviewing the received user input state to select a first of the user input history bins of the user input history collection. Arrow 3794 directs execution from operation 3792 to operation 3796. Operation 3796 performs modifying the first user input history bin of the user input history collection based upon the received user input state. Arrow 3798 directs execution from operation 3796 to operation 3800. Operation 3800 terminates the operations of this flowchart.

Figure 54 depicts a displayed user output stream on a user video screen 5000 indicating 5120 that the user should enter a PIN number, which will be displayed in region 5110, in accordance with certain embodiments.

Figure 55 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5200 and an advertising region 5240, in accordance with certain embodiments.

Transaction region 5200 comprises a user identified response 5210 and a selection list of financial access mechanisms and mercantile transactions including quick cash 5220, get cash 5222, deposit 5224, transfer 5226, balances 5228, buy stamps 5230 and what\'s new 5232. There is a cancel region 5234 in the transaction region 5200. Each of the selection list regions and the cancel region represent a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Advertising region 5240 includes an advertising message, advertisement picture and logo 5242. Note that advertising region 5240 may include any combination of some or all of these components, and multiple instances of certain of these components. These components often include copyrighted and trademarked material of the mercantile interests paying fees, for the privilege of being seen on the user view screen, to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5240 representing different mercantile interests.

As used herein, a mercantile interest includes but is not limited to organizations considered for profit by their national or regional tax boards.

Mercantile organizations include but are not limited to religious organizations advertising gambling events, such as bingo games, humanitarian organizations advertising for food and clothing for disaster victims, political

parties advertising political candidates for upcoming elections, to name just a few examples.

Note that in certain embodiments, the background of region 5200 and/or 5240 may include motion video. In certain embodiments, specific components of region 5200 and/or 5240 may include motion video.

Figure 56 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5300 and an advertising region 5360, in accordance with certain embodiments.

Transaction region 5300 comprises a selection list of financial access mechanisms and mercantile transactions including checking 5330, saving 5332, MMA/MRA 5334, Credit Card 5326, Credit Line 5328, Investment 5340 and Other 5342. There is an amount button region 5350, which activates a pull down selection menu. There is a Back region 5334 and OK region 5322 of the transaction region 5300. Each of the selection list regions and the Back region and OK region represents a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Advertising region 5360 includes an advertising message, logo and find out more region 5362. The find out more region 5362 represents a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response. Note that advertising region 5360 may include any combination of some or all of these components, and multiple instances of certain of these components. These components often include copyrighted

and trademarked material of mercantile interests paying fees, for the privilege of being seen on the user view screen, to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5360 representing differing mercantile interests.

Note that in certain embodiments, the background of region 5300 and/or 5360 may include motion video. In certain embodiments, specific components of region 5300 and/or 5360 may include motion video.

Figure 57 depicts a displayed user output stream on a user video screen 5000 indicating an advertising region 5370, in accordance with certain embodiments.

Advertising region 5370 includes an advertisement 5372, motion video advertising region 5374, logo 5376 as well as a cancel region 5380 and an enrolment region 5382. The find out more region 5372 represents a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response. Note that advertising region 5370 may include any combination of some or all of these components, and multiple instances of certain of these components. These components often include copyrighted and trademarked material of the mercantile interests paying fees for the privilege of being seen on the user view screen to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5370 representing differing mercantile interests.

Note that in certain embodiments, the background of region 5370 may include motion video. In certain embodiments, multiple specific components of 5370 may include motion video.

Figure 58 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5400 and an advertising region 5410, in accordance with certain embodiments.

Transaction region 5400 comprises a selection list of financial access mechanisms and mercantile transactions including Checking 5430, Saving 5432, MMA/MRA 5434, Credit Card 5436, Credit Line 5438, Investment 5440 and Other 5442. There is an Amount button region 5450, which activates a pull down selection menu. There is a Back region 5424 and OK region 5422 of the transaction region 5400. Each of the selection list regions and the Back region and OK region represents a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Advertising region 5410 includes an advertising message and logo. Note that advertising region 5410 may include any combination of some or all of these components, and multiple instances of certain of these components. These components often include copyrighted and trademarked material of the mercantile interests paying fees, for the privilege of being seen on the user view screen, to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5410 representing differing mercantile interests.

Note that in certain embodiments, the background of region 5400 and/or 5410 may include motion video, In certain embodiments, specific components of region 5400 and/or 5410 may include motion video.

Figure 59 depicts a displayed user output stream on a user video screen 5000 indicating. a transaction status region 5412 and an advertising region 5410 presenting a mercantile offer to contract, in accordance with certain embodiments.

Advertising region 5410 includes an advertising motion video region 5430 including an advertising message, logo 5432 and a user acceptance region 5420. Note that advertising region 5410 may include any combination of some or all of these components, and multiple instances of certain of these components. These components often include copyrighted and trademarked material of the mercantile interests paying fees for the privilege of being seen on the user view screen to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5410 representing differing mercantile interests.

Note that in certain embodiments, the background of region 5412 and/or 5410 may include motion video. In certain embodiments, specific components of region 5412 and/or 5410 may include motion video.

Figure 60 depicts a displayed user output stream on a user video screen 5000 indicating a transaction status region 5512 and an advertising region 5510 showing acknowledgement of the user acceptance of a mercantile offer to contract creating a contract, in accordance with certain embodiments.

Advertising region 5510 includes an advertising motion video region 5530 including a message acknowledging the user acceptance of the mercantile offer to contract and logo 5532. This is the point in the interaction in which a contract has been completed. There has been a meeting of minds which reasonably constitutes a commitment between the parties, namely the user as identified by the financial access vending machine and the merchant making the offer as shown in Figure 59. The user signals acceptance by pushing the region 5420 of Figure 59. This screen indicates that the merchant is acknowledging the contract offer and acceptance as shown in Figure 59.

Note that in certain embodiments, payment for the offer is performed within a short time, with funds from the financial access mechanism being taken from the identified user\'s account being transferred to the merchant access mechanism.

In certain other embodiments, a multiple step approach is taken : Funds are first removed by the financial access mechanism from the identified user account and placed in a temporary holding account. At a later time, a block transaction transferring the holding account funds to the merchant in payment for the collection of identified user commitments contributing to that holding account. This can be particularly advantageous for situations involving a large number of relatively small cash transactions, such as tickets for sporting or entertainment events.

In certain other embodiments, funds are held in the identified user account until delivery or pickup of the product or service. This is advantageous in cases of placing takeout orders or delivery orders. If the goods or services are not of adequate quality or are delivered later than specified, the identified

user has recourse in terms of payment. If the identified user never picks up the goods or services, or is not available at the delivery point to receive the goods or services, the merchant has recourse to receive compensation for good faith efforts.

Note that advertising region 5510 may include any combination of some or all of these components, and multiple instances of certain of these components.

These components often include copyrighted and trademarked material of the mercantile interests paying fees for the privilege of being seen on the user view screen to the financial access vending machine owner or franchise owner. In certain embodiments, there may be more than one advertising region 5510 representing differing mercantile interests.

Note that in certain embodiments, the background of region 5512 and/or 5510 may include motion video. In certain embodiments, specific components of region 5512 and/or 5510 may include motion video.

Figure 61 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5800, in accordance with certain embodiments.

Transaction region 5800 comprises a selection list of financial access mechanisms and mercantile transactions including Checking 5830, Saving 5832, MMA/MRA 5834, Credit Card 5836, Credit Line 5838, Investment 5840 and Other 5842. The MMA/MRA region 5834 and Credit Line region 5836 are highlighted in comparison to the other regions just mentioned. Such highlighting may be applied to various regions to indicate availability of the activity associated with the region in certain embodiments.

Transaction region 5800 further comprises an Amount button region 5850, which when touched, activates a pull down selection menu. Transaction region 5800 further comprises a Back region 5834 and OK region 5822. Each of the selection list regions and the Back region and OK region represents a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Note that in certain embodiments, the background of region 5800 may include motion video. In certain embodiments, specific components of region 5800 may include motion video.

Figure 62 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 5900, in accordance with certain embodiments.

Transaction region 5900 comprises a selection list of financial access transaction amounts including $20 5920, $40 5922, $60 5924, $80 5926, $100 5928, $200 5930 and Other 5932. Transaction region 5900 further comprises a Back region 5934 and OK region 5932. Transaction region 5900 further comprises a financial transaction selection pull down menu region 5910 indicating the current financial transaction (Checking). Each of the selection list regions, financial transaction selection pull down menu region 5910, the Back region and OK region represent a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Figure 63 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 6000, in accordance with certain embodiments.

Transaction region 6000 comprises a financial access transaction amounts pull down menu region 6020 indicating a current amount ($80). Transaction region 6000 further comprises a Back region 6034 and OK region 6032.

Transaction region 6000 further comprises a financial transaction selection pull down menu region 6010 indicating the current financial transaction (Checking). Each of financial access transaction amounts pull down menu region 6020, financial transaction selection pull down menu region 6010, the Back region and OK region represent a portion of a touch sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Note that in certain embodiments, the background of region 6000 may include motion video. In certain embodiments, specific components of region 6000 may include motion video.

Figure 64 depicts a displayed user output stream on a user video screen 5000 indicating a transaction region 6100, in accordance with certain embodiments.

Transaction region 6100 comprises a financial access transaction amount entry region 6112 indicating an amount that the user enters through a keypad 6110. Transaction region 6100 further comprises a Back region 6134 and OK region 6132. Transaction region 6100 further comprises a financial transaction selection pull down menu region 6120 indicating the current financial transaction (Savings). Each of financial transaction selection pull down menu region 6120, the Back region and OK region represent a portion of a touch

sensitive membrane covering the user video screen upon which the user may touch the display to have the financial access vending machine computer register a response.

Note that in certain embodiments, the background of region 6100 may include motion video. In certain embodiments, specific components of region 6100 may include motion video.

Figure 65 depicts a displayed user output stream on a user video screen 5000 indicating a displayed map 6200, in accordance with certain embodiments.

In certain embodiments, displayed map 6200 is a default map 1476 of Figure 50 showing the location of the financial access vending machine 6210. In certain further embodiments, locations of various categories of commonly requested services, products and points of interest are further denoted.

Displayed maps include legend regions 6230 in certain further embodiments.

In certain other further embodiments, specific mercantile interests are denoted 6220, 6224 (respectively) and described 6234 and 6236 (respectively). Note that in certain embodiments, specific mercantile interests are denoted and/or described based upon an advertising contract between the owner of the financial access vending machine and those mercantile interests.

In certain embodiments, local user access profile collection includes a locale topographical database 1470, which is used to generate displayed map 6200 and, in certain further embodiments, location legend 6230. In certain further embodiments, local user access profile collection includes a locale topographical database 1470 and local merchant collection 1480, which is

used to generate displayed map 6200 and, in certain further embodiments, location legend 6230.

Locale topographical database 1470 is used to create a travel description 6222, in certain further embodiments. Locale topographical database 1470 and local merchant entry 1486 of local merchant collection 1480 are used to create a travel description 6224, in certain further embodiments.

Note that in certain embodiments, the background of region 5000 may include motion video. In certain embodiments, specific components of region 5000 may include motion video.

Figure 66 depicts a collection of object families contained in a program operating system residing in accessibly coupled computer memory of at least one computer in a computer system 1000 controlling a financial access vending machine in accordance with certain embodiments.

In certain embodiments, program code segments, within core service object family 7000, are responsible for managing the health of the financial access vending machine from both the device and application services perspectives.

Program code segments within core service object family 7000 support providing a consistent framework from which systems health of the financial access vending machine can be determined. In certain embodiments, program code segments within core service object family 7000 support monitoring both devices and application services. In certain embodiments, program code segments within core service object family 7000 support detecting problems at both the system and application layers. In certain embodiments, program code segments within core service object family 7000

support providing a reliable reporting mechanism. In certain embodiments, program code segments within core service object family 7000 support providing sufficient security in case things do go wrong, or in other words, minimize risk of financial loss and system security.

Communication between core service object family 7000 and ATM director object family 7100 is depicted by arrow 7010.

In certain embodiments, program code segments within ATM director object family 7100 manage the financial access vending machine. It controls all the other object families shown in this diagram. In certain further embodiments, program code segments within ATM director object family 7100 support flexible interface for any product to be deployed on it. In certain further embodiments, program code segments within ATM director object family 7100 support a central point of communication between all the object families shown in this diagram. In certain further embodiments, program code segments within ATM director object family 7100 support implementation of different business rules regarding advertising and financial access interactions with merchant access mechanisms for contracting.

Communication between ATM director object family 7100 and local user access profile collection object family 7300 is depicted by arrow 7130.

In certain embodiments, program code segments within local user access profile collection object family 7300 maintain the local user access profile collection of the financial access vending machine. In certain further embodiments, program code segments within local user access profile collection object family 7300 maintain the local user access profile collection

including a default map of the financial access vending machine. In certain embodiments, program code segments within local user access profile collection object family 7300 maintain the local user access profile collection including motion video sequences of the financial access vending machine. In certain embodiments, program code segments within local user access profile collection object family 7300 maintain the local user access profile collection including advertising information of the financial access vending machine. In certain embodiments, program code segments within local user access profile collection object family 7300 maintain the local user access profile collection including a local merchant collection of merchant entries of the financial access vending machine.

Communication between ATM director object family 7100 and device management object family 7400 is depicted by arrow 7140.

Communication between core service object family 7000 and device management object family 7400 is depicted by arrow 7040.

In certain embodiments, program code segments within device management object family 7400 show the interactions with supporting frameworks and the vendor specific interfaces that allow device control. In certain embodiments, program code segments within device management object family 7400 support multiple vendor-made devices within the financial access vending machine, such as video display interface PC cards, dispenser interfaces, printers and other such devices. In certain embodiments, program code segments within device management object family 7400 support state management to support simultaneous device operations.

Communication between ATM director object family 7100 and financial object family 7200 is depicted by arrow 7140.

Communication between core service object family 7000 and financial object family 7200 is depicted by arrow 7040.

In certain embodiments, program code segments within financial object family 7200 support communication and transactions with financial access mechanisms. In certain further embodiments, program code segments within financial object family 7200 support use of Nonstop-Tuxedo, and Nonstop- TS/MP (Transaction Services Massively Parallel) as the middlewares to support the various transactions.

In certain further embodiments, program code segments within financial object family 7200 support secure transactions and maintenance of transactional integrity. In certain further embodiments, program code segments within financial object family 7200 support the ability to do acquired transactions. In certain further embodiments, program code segments within financial object family 7200 support the capability of authorizing a financial access mechanism customer\'s PIN and access card. In certain further embodiments, program code segments within financial object family 7200 support the ability to do acquired transactions.

In certain further embodiments, program code segments within financial object family 7200 support the ability to do financial transactions (like Withdrawal, Balance Inquiry, Transfer, etc.). In certain further embodiments, program code segments within financial object family 7200 support the ability to log transactions to a vending system server, and to the log on the financial

access vending machine. In certain further embodiments, the log is maintained by program code segments of the core services object family 7000.

In certain further embodiments, program code segments within financial object family 7200 support the ability of creating settlement records for all the financial access vending machine computers.

In certain further embodiments, program code segments within financial object family 7200 support the ability to maintain transaction integrity following a system or component failure. These failures may include software crashes, database failures, and hardware failures such as financial access vending machine cash dispenser jam incidents. In certain further embodiments, program code segments within financial object family 7200 support maintaining consistency and accuracy between financial access vending machine results and the banks financial data stores.

In certain further embodiments, program code segments within financial object family 7200 support the ability to systematically balance the amount of cash, stamps, and various other items that can be dispensed from the dispensers.

In certain further embodiments, program code segments within financial object family 7200 support the ability to send a transaction to another node for various services provided within the financial framework, when the financial access vending machine communication with the financial access mechanism is impaired. In certain further embodiments, program code segments within financial object family 7200 support the ability to do business resumption.

In certain further embodiments, program code segments within financial object family 7200 support the ability to do multiple transactions and form transaction sets of the various transactions. In certain further embodiments, program code segments within financial object family 7200 support the ability to provide an easy-to-use interface for doing various system management and administration functions.

Figure 67 depicts a simplified system level diagram of the various communicative couplings of financial access vending machines 1000 and financial access mechanisms 8100 including financial access mechanism servers 8110, merchant access mechanisms 8200, vending system servers 8000, and other entities in accordance with certain embodiments.

Each financial access vending machine 1000 communicatively couples 8002 to a communication network 8004 and also communicatively coupled 8006 to vending system server 8000, in certain embodiments. Each financial access vending machine 1000 communicatively couples 8112 to a financial access mechanism server 8110 via couplings 8002 to 8004 to 8006 to 8114 and to financial access mechanism server 8110, in certain further embodiments.

Each financial access vending machine 1000 communicatively couples 8202 to merchant access mechanism 8200 via couplings 8002 to 8004 to 8006 to 8230 and to merchant access mechanism 8200, in certain further embodiments.

Each financial access vending machine 1000 communicatively couples 8102 to a financial access mechanism 8100, in certain embodiments. Each financial access vending machine 1000 communicatively couples 8112 to financial access mechanism server 8110, in certain embodiments. Each financial

access vending machine 1000 communicatively couples 8202 to merchant access mechanism 8200, in certain embodiments.

Vending system server 8000 communicatively couples 8302 to web server 8300, in certain embodiments. Users 8310 communicatively couple 8312 via network 8320 which is further coupled 8304 to web server 8300, in certain embodiments. Web server 8300 maintains 8332 a web site 8330, in certain further embodiments.

In certain further embodiments, users 8310 access (8312 to 8320 to 8304 through web server 8300 maintaining 8332) web site 8330 to modify their user profile in the user profile collection 8020 maintained with vending system server 8000 via coupling 8302.

In certain further embodiments, users 8310 access (8312 to 8320 to 8304 through web server 8300 maintaining 8332) web site 8330 transacting business, which modifies their user profile in the user profile collection 8020 maintained with vending system server 8000 via coupling 8302.

In certain embodiments, secure command and control client 8300 interacts 8302 with vending system server 8000. In certain further embodiments, secure command and control client 8300 interacts 8302 with vending system server 8000 to direct the maintenance of locale ID collection 8010. In certain further embodiments, the financial access vending machines 1000 with local user access profile collections 1410 each access (8002 to 8004 to 8006) to update their local user access profile collections 1410 based upon the collection of local user access profile collections 8010.

In certain further embodiments, secure command and control client 8300 interacts 8302 with vending system server 8000 to direct the maintenance of user profile collection 8020. In certain further embodiments, the financial access vending machines 1000 with local user access profile collections 1410 each access (8002 to 8004 to 8006) to update their local user access profile collections 1410 based upon the user profile collection 8020.

In certain other further embodiments, secure command and control client 8300 interacts 8302 with vending system server 8000 to direct the maintenance of user profile collection 8020. In certain further embodiments, the financial access vending machines 1000 with local user access profile collections 1410 each access (8002 to 8004 to 8006) to update their local user access profile collections 1410 based upon the user profile collection 8020.

As used herein networks refer to communications systems comprised of at least one physical transport layer and supporting at least one messaging protocol. Note that the messaging protocol in most circumstances is transparent to the users. The physical transport layer includes but is not limited to wireless and wireline physical transport layers.

Figure 68 depicts a simplified block diagram of a computer system 1000 to control a financial access vending machine supporting a local user access profile collection in accordance with certain embodiments.

Computer system 1000 comprises a computer 1100 accessibly coupled 1102 to computer memory 1200. As used herein a computer system comprises at least one computer accessibly coupled to a computer memory. In certain

embodiments, computer system 1000 comprises at least two computers, each with separate accessibly coupled computer memories. In certain embodiments, computer system 1000 comprises at least two computers, each sharing an accessibly coupled computer memory.

Computer system 1000 further comprises a user identifying interface subsystem 1300 communicatively coupled 1106 with computer 1100. User identifying subsystem 1300 includes at least one mechanism presenting a user stimulus output stream to a user and at least one mechanism stimulated by a user to generate a user stimulus input stream. Embodiments of this subsystem will be discussed in greater detail later. User identifying interface subsystem 1300 can gather information sufficient to adequately identify the user for purposes of transacting financial and mercantile exchanges and agreements. In certain further embodiments, user identifying interface subsystem 1300 further provides the user with mercantile offers, selection capability for financial and mercantile transactions and presentation of graphical data including at least one of the collection of presentation maps and motion video.

Computer system 1000 further comprises local user access profile collection 1410 communicatively coupled 1140 with computer 1100. In certain embodiments, local user access profile collection 1410 contains an encapsulated system component coupled by an internal communication transport layer 1140 to computer 1100. Such an internal communication transport layer 1140 may be wireline in certain further embodiments. In certain further embodiments, the wireline transport layer 1140 includes an optical fiber, coaxial cable, twisted pair, ribbon cable, or buss strips on a

printed circuit board. In certain further embodiments, local user access profile collection 1410 encapsulated system component further contains nonvolatile memory. In certain further embodiments, local identification 1410 encapsulated system component contains writable nonvolatile memory. In certain further embodiments, at least a part of the nonvolatile memory of local user access profile collection 1410 encapsulated system component is organized and accessed as a file management system. In certain other further embodiments, local user access profile collection 1410 encapsulated system component contains write-once nonvolatile memory.

In certain embodiments, local user access profile collection 1410 resides in part of computer memory 1200. In certain further embodiments, local identification 1410 resides in a portion of at least one nonvolatile memory component of computer memory 1200. In certain further embodiments, local user access profile collection 1410 is organized and accessed 1140 as a file management system.

In certain embodiments, communicative coupling 1140 between local identification 1410 and computer 1100 employs coding technology. In certain further embodiments, communicative coupling 1140 employs distinct coding technologies depending upon whether the computer 1100 is performing reading or writing access of local user access profile collection 1410. Coding technology as used herein will refer to error detection codes, error detection and correction codes, encryption codes and combinations of these coding technologies.

The financial access vending machine is controlled by the computer system 1000 executing a program operating system of program code segments

residing in the accessibly coupled computer memory of at least one of the computers of the computer system.

In certain embodiments, local user access profile collection 1410 contains 1412 local access profile node 1420.

In certain further embodiments, local access profile node 1420 contains 1432 a textual presentation content 1430.

In certain other further embodiments, local access profile node 1420 contains 1442 a graphical presentation content 1440.

In certain further embodiments, local access profile node 1420 contains 1432 graphical presentation content 1440, which in turn contains 1452 motion video content presentation 1450.

In certain further embodiments, local access profile node 1420 contains 1462 a synchronized audio sequence 1460. In certain embodiments, the synchronization of the synchronized audio sequence 1460 is based upon local access profile node 1420. In certain further embodiments, the synchronization of the synchronized audio sequence 1460 is based upon graphical presentation content 1440 as a whole. In certain further embodiments, the synchronization of the synchronized audio sequence 1460 is based upon motion video content presentation 1450. In certain other embodiments, the synchronization of the synchronized audio sequence 1460 is based upon textual presentation content 1430.

In certain further embodiments, local access profile node 1420 contains more than one synchronized audio sequence.

In certain further embodiments, local access profile node 1420 contains 1432 graphical presentation content 1440, containing more than one motion video content presentation.

In certain embodiments local access profile node 1420 contains more than one graphical presentation content.

In certain other further embodiments, local user access profile collection 1410 contains 1414 a second local access profile node 1422. Additionally, local access profile node 1420 contains 1472 a link 1470 referencing 1474 the second local access profile node 1422. In certain further embodiments, local user access profile collection 1410 contains a third local access profile node, and local access profile node 1420 contains a second link, referencing the third local access profile node. In certain further embodiments, a local access profile node may contain more than two links referencing other local access profile nodes, which may or may not all be distinct local access profile nodes.

Figure 69 depicts a flowchart performing a method of contracting between an identified user operating a financial access vending machine communicatively coupled to a financial access mechanism and the user financial access vending machine communicatively coupled to a merchant access mechanism in accordance with certain embodiments.

Operation 3810 starts the operations of this flowchart. Arrow 3812 directs the flow of execution from operation 3810 to operation 3814. Operation 3814 performs the identified user operated financial access vending machine receiving an offer message sent by the merchant access mechanism to create a received offer message. Arrow 3816 directs execution from operation 3814

to operation 3818. Operation 3818 performs the user financial access vending machine sending the financial access mechanism a financial acceptance request message based upon the received offer message and based upon an acceptance action of the identified user recognized by the financial access vending machine. Arrow 3820 directs execution from operation 3818 to operation 3822. Operation 3822 performs the user financial access vending machine receiving a financial message from the financial access mechanism of a received acceptance response financial message based upon the received offer message. Arrow 3824 directs execution from operation 3822 to operation 3826. Operation 3826 performs the merchant access mechanism receiving an offer acceptance message based upon the received acceptance response financial message to create a contract. Arrow 3828 directs execution from operation 3826 to operation 3830. Operation 3830 terminates the operations of this flowchart.

Figure 70A depicts a detail flowchart of operation 3826 of Figure 69 performing the merchant access mechanism sending an offer acceptance acknowledgement message based upon the received offer acceptance message to the financial access vending machine in accordance with certain embodiments.

Arrow 3850 directs the flow of execution from starting operation 3826 to operation 3852. Operation 3852 performs the merchant access mechanism sending an offer acceptance acknowledgement message based upon the received offer acceptance message to the financial access vending machine.

Arrow 3854 directs execution from operation 3852 to operation 3856.

Operation 3856 terminates the operations of this flowchart.

Figure 70B depicts a detail flowchart of operation 3810 of Figure 69 performing the financial access vending machine receiving the offer acceptance acknowledgement message to create a received offer acceptance acknowledgement message in accordance with certain embodiments.

Arrow 3870 directs the flow of execution from starting operation 3810 to operation 3872. Operation 3872 performs the financial access vending machine receiving the offer acceptance acknowledgement message to create a received offer acceptance acknowledgement message. Arrow 3874 directs execution from operation 3872 to operation 3876. Operation 3876 terminates the operations of this flowchart.

Figure 70C depicts a detail flowchart of operation 3872 of Figure 70B performing displaying the received offer acceptance acknowledgement message to create a confirmed contract message to the identified user in accordance with certain embodiments.

Arrow 3890 directs the flow of execution from starting operation 3872 to operation 3892. Operation 3892 performs displaying the received offer acceptance acknowledgement message to create a confirmed contract message to the identified user. Arrow 3894 directs execution from operation 3892 to operation 3896. Operation 3896 terminates the operations of this flowchart.

Figure 71 depicts a flowchart performing a method of controlling a vending machine containing a user identifying interface subsystem, a vending server list containing at least two server options and a current server option

belonging to the vending server list, and a server communication interface, in accordance with certain embodiments.

Operation 3910 starts the operations of this flowchart. Arrow 3912 directs the flow of execution from operation 3910 to operation 3914. Operation 3914 performs receiving a user stimulus input stream from the user identifying interface subsystem to create a received user input state. Arrow 3916 directs execution from operation 3914 to operation 3918. Operation 3918 terminates the operations of this flowchart.

Arrow 3920 directs the flow of execution from starting operation 3910 to operation 3922. Operation 3922 performs sending a user stimulus output stream to the user identifying interface subsystem. Arrow 3924 directs execution from operation 3922 to operation 3918. Operation 3918 terminates the operations of this flowchart.

Arrow 3930 directs the flow of execution from starting operation 3910 to operation 3932. Operation 3932 performs maintaining the server communication interface with the current server option. Arrow 3934 directs execution from operation 3932 to operation 3918. Operation 3918 terminates the operations of this flowchart.

Figure 72 depicts a detail flowchart of operation 3932 of Figure 71 further performing maintaining the server communication interface with the current server option in accordance with certain embodiments.

Arrow 3950 directs the flow of execution from starting operation 3932 to operation 3952. Operation 3952 performs detecting communication failure with the current server option. Arrow 3954 directs execution from operation

3952 to operation 3956. Operation 3956 performs selecting a second server option from the vending server list. Arrow 3958 directs execution from operation 3956 to operation 3960. Operation 3960 performs establishing communication with the second vending server option. Arrow 3962 directs execution from operation 3960 to operation 3964. Operation 3964 performs making the second server option the current server option. Arrow 3966 directs execution from operation 3964 to operation 3968. Operation 3968 terminates the operations of this flowchart.

A build process generates such program operating systems for the financial access vending machine and a separate program operating system to reside on one or more vending machine server computers is described as follows : Step 1 : These control program operating systems include a realtime operating system interface module, which provides access to the realtime operating system tools residing on the relevant computer (s), as well as several modules which are optimally arranged as previously disclosed above.

Step 2 : The various modules are often translated from source language descriptions of their activities to an appropriate compiled or assembled format, which may include relocatable loader formats of native code, compressed data formats of images and image sequences, audio sequences as well as interpreted byte code languages such as used for JAVA.

Step 3 : Further included in the build process are modules to initialize and run the various peripheral 10 systems involved, organized about the object families discussed.

Step 4 : Once the modules have been integrated into a prototype implementation, an implementation verification process is performed, which confirms basic operational functionality of the integrated modules.

Step 5 : If problems are found in the basic functionality, the responsible source code modules are identified and modified. After which the build process proceeds to step 2 above.

Step 6 : Once the basic functionality has been confirmed, a preliminary, experimental deployment of the program operating system is done where real users may interact at a few controlled experimental sites.

Step 7 : These experimental sites are monitored and when the performance reaches a point of sufficient reliability, the build process of the program operating system is considered finished.

The preceding embodiments have been provided by way of example and are not meant to constrain the scope of the following claims. Further exemplary embodiments include vending machines providing goods and services.