Banking system controlled responsive to data bearing records
First Claim
1. Apparatus comprising:
- at least one remote computer,wherein the at least one remote computer is operative to communicate with a self-service automated banking machine including each of a card reader operative to read card data corresponding to a financial account from a user card, a cash dispenser selectively operative to cause currency notes stored in the machine to be physically dispensed from the machine, and at least one machine computer;
at least one data store,wherein the at least one data store is in operative connection with the at least one remote computer;
wherein the at least one data store includes data linking the financial account and contact information for a cell phone,wherein the at least one remote computer includes at least one program configured to sequentially cause, during a cash withdrawal transaction which is independent of location of the cell phone throughout the transaction at the machine, each of;
the at least one remote computer to receive from the machine,data corresponding to the card data read by the card reader, anddata indicative of a cash withdrawal request at the machine,the at least one remote computer to obtain data corresponding to the contact information for the cell phone from the at least one data store, responsive at least in part to the data received from the machine,at least one inquiry message requesting whether the transaction should be allowed to proceed at the machine, to be sent to the cell phone, responsive at least in part to obtaining the data corresponding to the contact information,the at least one remote computer to receive at least one reply message corresponding to data manually-inputted during the transaction to the cell phone by a holder of the cell phone, wherein the at least one reply message corresponds to a grant of permission for the transaction to proceed, andthe at least one remote computer to send at least one machine message to the machine during the transaction responsive to receiving the at least one reply message, wherein the at least one machine message allows the machine to operate in a manner that enables the cash dispenser to physically dispense currency notes corresponding to the cash withdrawal request.
10 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to a user financial account. The card data is linked in at least one data store to an indication that the card data corresponds to an authorized financial account to enable operation of the automated banking machine. The card data is also linked in the at least one data store to a mobile communication device (i.e., cell phone of an owner associated with the financial account). In response to receipt of card data and a transaction request from an automated banking machine, contact data for the owner'"'"'s cell phone is determined and a message notifying the owner of the requested transaction is sent. The transaction is completed only if the owner provides a responsive message granting permission for the transaction to proceed. Alternatively or in addition transaction authorization may be based on the then current location of the owner'"'"'s cell phone adjacent to the automated banking machine, and/or other criteria.
21 Citations
23 Claims
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1. Apparatus comprising:
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at least one remote computer, wherein the at least one remote computer is operative to communicate with a self-service automated banking machine including each of a card reader operative to read card data corresponding to a financial account from a user card, a cash dispenser selectively operative to cause currency notes stored in the machine to be physically dispensed from the machine, and at least one machine computer; at least one data store, wherein the at least one data store is in operative connection with the at least one remote computer; wherein the at least one data store includes data linking the financial account and contact information for a cell phone, wherein the at least one remote computer includes at least one program configured to sequentially cause, during a cash withdrawal transaction which is independent of location of the cell phone throughout the transaction at the machine, each of; the at least one remote computer to receive from the machine, data corresponding to the card data read by the card reader, and data indicative of a cash withdrawal request at the machine, the at least one remote computer to obtain data corresponding to the contact information for the cell phone from the at least one data store, responsive at least in part to the data received from the machine, at least one inquiry message requesting whether the transaction should be allowed to proceed at the machine, to be sent to the cell phone, responsive at least in part to obtaining the data corresponding to the contact information, the at least one remote computer to receive at least one reply message corresponding to data manually-inputted during the transaction to the cell phone by a holder of the cell phone, wherein the at least one reply message corresponds to a grant of permission for the transaction to proceed, and the at least one remote computer to send at least one machine message to the machine during the transaction responsive to receiving the at least one reply message, wherein the at least one machine message allows the machine to operate in a manner that enables the cash dispenser to physically dispense currency notes corresponding to the cash withdrawal request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. Apparatus comprising:
a self-service automated banking machine including; a card reader, wherein the card reader is operative to read from a card of a machine user, card data corresponding to a financial account linked in at least one data store with data corresponding to a cell phone that is operative to remotely grant permission for financial transactions requested on the financial account, a cash dispenser, wherein the cash dispenser is operative to physically dispense from the machine, currency notes stored in the machine, at least one machine computer, wherein the at least one machine computer is in operative connection with the card reader and the cash dispenser, wherein the at least one machine computer is operative to communicate with at least one remote computer which includes at least one transaction host computer, wherein the at least one machine computer includes at least one program configured to cause the machine to carry out a cash withdrawal transaction on the financial account without communicating with the cell phone, wherein the at least one program sequentially causes during the transaction each of;
the card reader to read from the card, the card data corresponding to the financial account,
at least one transaction notification communication including a request for permission from the cell phone for the transaction to proceed, to be sent to the cell phone linked to the financial account corresponding to the card data read by the card reader,
the machine to receive from the at least one remote computer, at least one cell phone permission granted-based message corresponding to permission granted from the cell phone to allow the transaction to proceed,
the cash dispenser to operate to physically dispense from the machine responsive at least in part to the message received, currency notes corresponding to a cash amount requested in the transaction, and
the financial account to be assessed a monetary value associated with the dispense of currency notes by the cash dispenser.- View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. Apparatus comprising:
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at least one computer, wherein the at least one computer is operative to communicate with a self-service automated banking machine including each of a reader device operative to read user data corresponding to a financial account, a cash dispenser selectively operative to cause cash stored in the machine to be dispensed from the machine, and at least one machine computer which is operative to cause financial transfers, at least one data store, wherein the at least one data store is in operative connection with the at least one computer; wherein the at least one data store includes in linked relation, data corresponding to the financial account and data corresponding to contact information for a cell phone associated with the financial account, wherein the at least one computer is operative responsive at least in part to receiving from the machine, both data corresponding to reader device-read user data, and data corresponding to a request for a cash withdrawal transaction, to both obtain the data corresponding to the contact information from the at least one data store, and use the data corresponding to the contact information obtained to cause at least one user message to be sent to the cell phone during the transaction, wherein the at least one computer is further operative to receive at least one reply message caused at least in part by at least one transaction-permitting phone message corresponding to a phone-inputted reply to the at least one user message, wherein the at least one computer is further operative, prior to any communication between the cell phone and the machine during the transaction, to send at least one machine message to the machine, wherein the at least one machine message allows the machine to operate in a manner that causes the cash dispenser to physically dispense from the machine, currency notes corresponding to a cash amount associated with the request, wherein the at least one computer during the transaction is operative to both receive the data corresponding to reader device-read user data, responsive to input provided to the machine by a first person, and receive the at least one reply message caused at least in part by the at least one transaction-permitting phone message, responsive to phone input provided to the cell phone by a second person being both different from the first person and remotely located from the machine.
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Specification