Transaction dependent on ATM receiving user input of the security code sent during transaction to account'S designated mobile phone
First Claim
1. Apparatus comprising:
- a self-service automated machine including;
at least one reader,wherein the at least one reader is operative to read user data,a cash dispenser,wherein the cash dispenser is operative to cause cash stored in the machine to be physically dispensed from the machine,wherein the machine is associated with at least one computer,wherein the at least one computer is in operative connection with the the at least one reader, and the cash dispenser,wherein the at least one computer is programmed to carry out a cash dispense transaction,wherein the at least one computer is operative during the cash dispense transaction to;
cause user data corresponding to user identification data to be read through operation of the at least one reader,receive a user request for the cash dispense transaction,cause responsive at least in part to the user data being read and the user request being received, at least one message to be sent to at least one mobile phone that is associated in at least one data store with the user identification data,
wherein the at least one message includes security data,receive subsequent to causing the at least one message to be sent, user input, andcause responsive at least in part to a determination that the user input includes data related to the security data, cash to be dispensed from the machine through operation of the cash dispenser,wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed.
4 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that reads card data from a card of a machine user. The card data is linked in a data store to both a customer'"'"'s financial account and a cell phone assigned to that customer. In response to the user'"'"'s transaction request, contact data for the assigned cell phone is determined from the data store using the read card data. A transaction security code is then sent to that cell phone. The transaction is allowed to proceed only if the user inputs the sent security code to the machine within a predetermined amount of time. Transaction allowance may also be based on a real time determination that the assigned cell phone is physically located proximate the machine.
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Citations
20 Claims
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1. Apparatus comprising:
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a self-service automated machine including; at least one reader, wherein the at least one reader is operative to read user data, a cash dispenser, wherein the cash dispenser is operative to cause cash stored in the machine to be physically dispensed from the machine, wherein the machine is associated with at least one computer, wherein the at least one computer is in operative connection with the the at least one reader, and the cash dispenser, wherein the at least one computer is programmed to carry out a cash dispense transaction, wherein the at least one computer is operative during the cash dispense transaction to; cause user data corresponding to user identification data to be read through operation of the at least one reader, receive a user request for the cash dispense transaction, cause responsive at least in part to the user data being read and the user request being received, at least one message to be sent to at least one mobile phone that is associated in at least one data store with the user identification data,
wherein the at least one message includes security data,receive subsequent to causing the at least one message to be sent, user input, and cause responsive at least in part to a determination that the user input includes data related to the security data, cash to be dispensed from the machine through operation of the cash dispenser, wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. Apparatus comprising:
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a cash dispensing automated banking machine operative to cause financial transfers responsive at least in part to data bearing records, wherein the machine includes; a cash dispenser, at least one input device, at least one reader device, wherein the at least one reader device includes a card reader, at least one computer, wherein the at least one computer is in operative connection with the cash dispenser, the at least one input device, and the at least one reader device, wherein the at least one computer is programmed to carry out a cash dispensing transaction, wherein the at least one computer in a first stage of the transaction causes the at least one reader device to obtain user identifying data from a user of the machine, wherein the at least one computer in a second stage of the transaction sends at least one message that is operative to cause
cell phone contact data to be obtained from at least one data store that associates the cell phone contact data with the user identifying data, and
at least one message including a security code to be sent to a user cell phone corresponding to the cell phone contact data,wherein the at least one computer in a third stage of the transaction receives user input through the at least one input device, wherein the at least one computer in a fourth stage of the transaction causes the cash dispenser to dispense cash, based on the received user input corresponding to the security code.
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19. Apparatus comprising:
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a self-service automated machine including a cash dispenser and at least one user input device, wherein the cash dispenser is operative to cause cash to be physically dispensed from the machine, wherein the at least one user input device includes at least one reader device, wherein the machine is associated with at least one computer, wherein the at least one computer is in operative connection with the cash dispenser and the at least one user input device, wherein the at least one computer, responsive at least in part to receiving through the at least one user input device user identifying data corresponding to an authorized user mobile phone, and a cash withdrawal transaction request, is operative to further receive through the at least one user input device, further data which corresponds to a transaction security code sent to the authorized user mobile phone subsequent to the request, wherein the at least one computer operates to allow the cash withdrawal transaction corresponding to the request to be carried out, responsive at least in part to receiving the further data.
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20. Apparatus comprising:
an automated banking machine system including; an automated banking machine, at least one computer programmed to cause the machine to carry out a cash dispense transaction, wherein the at least one computer is operative during the transaction responsive at least in part to the machine obtaining account identifying data from a machine user, to cause a computer-created transaction authorization code that is specifically associated with the transaction to be sent to a mobile phone of a holder of an account that is associated with the account identifying data, wherein the at least one computer is operative subsequently during the transaction responsive at least in part to the machine receiving the transaction authorization code from the machine user within a predetermined time period, to cause a cash dispenser of the machine to physically dispense cash from the machine.
Specification