Cash withdrawal from ATM via videophone
First Claim
1. A method comprising:
- (a) receiving a request for requesting an amount of cash from a transaction system, wherein the amount of cash has a cash value, wherein the transaction system includes a network, wherein the network includes at least one ATM, wherein the at least one ATM includes at least one cash dispenser device;
(b) receiving with the transaction system a transmitted financial customer account number from a portable hand-held device via wireless communication, wherein the hand-held device includes programmable memory, wherein the memory includes the customer account number data;
(c) associating at least the cash value to the customer account number as payment for the amount of cash; and
(d) operating the at least one ATM to dispense via the at least one cash dispenser device an amount of cash corresponding to the request received in step (a).
5 Assignments
0 Petitions
Accused Products
Abstract
Apparatus and method for purchasing an item via a self-service checkout at a merchant store. The item is associated with a bar code and an anti-theft device. A customer uses their phone to establish communication with the store'"'"'s transaction host. The phone includes a camera and a programmable memory. The memory includes customer account data. The camera is used to capture and transmit an image of the bar code to the host. The host determines the item'"'"'s cost from the received bar code image. The customer can wirelessly transmit their account data from the phone to an in-store terminal. The terminal can transmit the account data to the host. The host can accept and use the account data in payment for the item. After customer payment for the item, the host causes the anti-theft device to be neutralized.
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Citations
23 Claims
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1. A method comprising:
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(a) receiving a request for requesting an amount of cash from a transaction system, wherein the amount of cash has a cash value, wherein the transaction system includes a network, wherein the network includes at least one ATM, wherein the at least one ATM includes at least one cash dispenser device; (b) receiving with the transaction system a transmitted financial customer account number from a portable hand-held device via wireless communication, wherein the hand-held device includes programmable memory, wherein the memory includes the customer account number data; (c) associating at least the cash value to the customer account number as payment for the amount of cash; and (d) operating the at least one ATM to dispense via the at least one cash dispenser device an amount of cash corresponding to the request received in step (a). - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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(a) requesting an amount of cash from a transaction system via a phone, wherein the amount of cash has a cash value, wherein the transaction system includes a network, wherein the network includes at least one ATM, including transmitting data corresponding to a particular ATM via the phone; (b) transmitting account data corresponding to a customer account from a portable hand-held device via wireless communication to the transaction system, wherein the hand-held device includes programmable memory, wherein the memory includes the account data, wherein the hand-held device comprises the phone, wherein the phone transmits data; (c) associating at least the cash value to the customer account as payment for the amount of cash; (d) enabling the at least one ATM to dispense the requested cash; and (e) determining the ability of the particular ATM to dispense the requested amount of cash. - View Dependent Claims (14)
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15. A method comprising:
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(a) receiving from a portable hand-held device via wireless communication, a request that a particular ATM dispense an amount of cash wherein the request includes image data corresponding to an identifier of the particular ATM; and (b) responsive to authorization of the request instructing an ATM corresponding to the identifier to dispense cash corresponding to the amount requested in step (a). - View Dependent Claims (16)
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17. A method comprising:
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(a) receiving with a transaction system including at least one ATM, data corresponding to a customer account and a customer request for an amount of cash via a portable hand-held device, including receiving data corresponding to a particular ATM, wherein the amount of cash has a cash value; (b) subsequent to step (a), operating the system to make a particular cash dispense code customer-available responsive to payment association of at least the cash value to the customer account; and (c) subsequent to step (a), operating the system to instruct the particular ATM to dispense cash corresponding to the amount requested in step (a) responsive to receiving the code from a customer. - View Dependent Claims (18, 19, 20, 21, 22)
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23. A method comprising:
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(a) establishing communication between a phone and a cash dispensing system; wherein the phone includes a camera and programmable memory, wherein the camera is operative to capture at least one image, wherein the memory includes account data corresponding to a customer account; wherein the system includes a network, wherein the network includes at least one ATM, wherein an ATM is located in a retail establishment; (b) requesting cash from the system via the phone, wherein the requested cash has a cost associated therewith; (c) operating the camera to capture an image of an ATM identifier uniquely corresponding to the ATM; (d) transmitting data corresponding to the image from the phone to the system; (e) transmitting the account data from the phone to the system via wireless communication; (f) associating the cost to the customer account as compensation for the requested cash; and (g) operating the network to instruct the ATM to dispense the requested cash.
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Specification