Card activated cash dispensing automated banking machine system and method
First Claim
Patent Images
1. Apparatus comprising:
- at least one computer associated with an automated banking machine that is operative to cause financial transfers responsive at least in part to read data,wherein the machine includes at least one reader,wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account,wherein the machine includes a cash dispenser operative to dispense cash from the machine,wherein the machine includes at least one wireless network port,wherein the at least one computer is configured to cause the machine to make an interface application available through the at least one wireless network port to mobile phones of machine customers,wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon,wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,
wherein the plurality of selectable transactions include a cash withdrawal transaction,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of
the financial account information,
the selection of a cash withdrawal transaction, and
the requested amount of cash.
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Accused Products
Abstract
An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
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Citations
20 Claims
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1. Apparatus comprising:
at least one computer associated with an automated banking machine that is operative to cause financial transfers responsive at least in part to read data, wherein the machine includes at least one reader, wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account, wherein the machine includes a cash dispenser operative to dispense cash from the machine, wherein the machine includes at least one wireless network port, wherein the at least one computer is configured to cause the machine to make an interface application available through the at least one wireless network port to mobile phones of machine customers, wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon, wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,
wherein the plurality of selectable transactions include a cash withdrawal transaction,
wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of
the financial account information,
the selection of a cash withdrawal transaction, and
the requested amount of cash.- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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(a) operating at least one computer associated with an automated banking machine that is operative to cause financial transfers responsive at least in part to read data, to cause the machine to make an interface application available to mobile phones of machine customers, wherein the machine includes at least one reader, wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account, wherein the machine includes a cash dispenser operative to dispense cash from the machine, wherein the machine includes at least one wireless network port, wherein the at least one computer is configured to cause the machine to make the interface application available through the at least one wireless network port, wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon, wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user, wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information, wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,
wherein the plurality of selectable transactions include a cash withdrawal transaction,wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash, wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of the financial account information, the selection of a cash withdrawal transaction, and the requested amount of cash; (b) operating the at least one computer to cause the at least one reader to read financial account information, a cash withdrawal transaction selection, and a requested amount of cash, communicated from phone responsive to user input to the interface application; and (c) operating the at least one computer to cause the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive to the reading in (b). - View Dependent Claims (13, 14, 15, 16)
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17. Apparatus comprising:
at least one computer associated with an automated transaction machine that is operative to cause financial transfers responsive at least in part to read data, wherein the machine includes at least one reader, wherein the at least one reader is operative to read customer data usable to identify at least one of a customer of the machine and a financial account, wherein the machine includes at least one wireless network port which allows the machine to wirelessly communicate with mobile phones of machine customers, wherein the at least one computer is configured to cause the machine to make a transaction interface application available through the at least one wireless network port to the mobile phones, wherein the transaction interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the transaction interface application thereon, wherein the plurality of interface display screens include each of at least a personal identification number (PIN) input screen, a financial account information input screen, and a transaction selection input screen, wherein the transaction interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to phone user input to the interface display screens by a phone user, wherein the transaction interface application causes the at least one reader to read a PIN inputted to the PIN input screen, wherein the transaction interface application causes the at least one reader to read financial account information inputted to the financial account information input screen, wherein the transaction interface application causes the at least one reader to read a transaction selection inputted to the transaction selection input screen, wherein the at least one computer is configured to cause the machine to carry out a phone user selected transaction responsive at least in part to the at least one reader reading the PIN, the financial account information, and the transaction selection. - View Dependent Claims (18, 19, 20)
Specification