Banking system controlled responsive to data bearing records
First Claim
1. Apparatus comprising:
- a banking system comprising;
at least one automated banking machine,wherein the at least one automated banking machine is operative to cause financial transfers responsive at least in part to data read from user cards,wherein the at least one automated banking machine includes;
at least one card reader,
wherein the at least one card reader is operative to read from a card of a machine user, card data corresponding to user identification data,at least one cash dispenser,
wherein the at least one cash dispenser is operative to cause stored cash to be dispensed,at least one computer,
wherein the at least one computer is in operative connection with the at least one card reader and the at least one cash dispenser,
wherein the at least one computer is operative during a transaction to
cause card data to be read from a user card through operation of the at least one card reader, and
cause cash to be dispensed from the machine through operation of the at least one cash dispenser,
wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed,wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input includinga secret code,data corresponding to a customer phone number, anda request for a cash dispense transaction associated with a particular amount of cash,a server,wherein the server is located remotely from the at least one automated banking machine,wherein the server is operative to receive from the at least one automated banking machine, at least one message associated with the request,wherein the server is operative to generate a transaction security code associated with the cash dispense transaction,wherein the server is operative cause at least one message associated with the cash dispense transaction to be sent to a customer phone having the customer phone number,wherein the at least one message includes
customer notification of the cash dispense transaction, and
the transaction security code,wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including the transaction security code,wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine within a predetermined time period in which the security code is required to be received to allow the cash dispense transaction to proceed.
4 Assignments
0 Petitions
Accused Products
Abstract
A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time.
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Citations
20 Claims
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1. Apparatus comprising:
a banking system comprising; at least one automated banking machine, wherein the at least one automated banking machine is operative to cause financial transfers responsive at least in part to data read from user cards, wherein the at least one automated banking machine includes; at least one card reader,
wherein the at least one card reader is operative to read from a card of a machine user, card data corresponding to user identification data,at least one cash dispenser,
wherein the at least one cash dispenser is operative to cause stored cash to be dispensed,at least one computer,
wherein the at least one computer is in operative connection with the at least one card reader and the at least one cash dispenser,
wherein the at least one computer is operative during a transaction to
cause card data to be read from a user card through operation of the at least one card reader, and
cause cash to be dispensed from the machine through operation of the at least one cash dispenser,
wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed,wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including a secret code, data corresponding to a customer phone number, and a request for a cash dispense transaction associated with a particular amount of cash, a server, wherein the server is located remotely from the at least one automated banking machine, wherein the server is operative to receive from the at least one automated banking machine, at least one message associated with the request, wherein the server is operative to generate a transaction security code associated with the cash dispense transaction, wherein the server is operative cause at least one message associated with the cash dispense transaction to be sent to a customer phone having the customer phone number, wherein the at least one message includes
customer notification of the cash dispense transaction, and
the transaction security code,wherein the at least one automated banking machine is operative to receive from a machine user, at least one user input including the transaction security code, wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine within a predetermined time period in which the security code is required to be received to allow the cash dispense transaction to proceed. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising:
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(a) carrying out automated banking machine-receiving of user input of a secret code; (b) carrying out automated banking machine-receiving of user input of a request for automated banking machine-dispensing of a particular amount of cash; (c) subsequent to (b), carrying out automated banking machine-notifying of a remote server of a transaction corresponding to the request; (d) subsequent to (c), carrying out through operation of the server, generation of a security code for the transaction; (e) subsequent to (d), carrying out through operation of the server, a sending of a message to a customer mobile phone associated with the request, wherein the message includes customer notification of the transaction, and the security code generated in (d), wherein the security code is associated with a predetermined time period in which the security code is required to be automated banking machine-received to allow the transaction to proceed; (f) subsequent to (e), carrying out automated banking machine-receiving of user input of the security code; and (g) carrying out automated banking machine-dispensing of the particular amount of cash through operation of at least one cash dispenser, responsive at least in part to the user input in (f) being received within the predetermined time period. - View Dependent Claims (8, 9, 10)
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11. Apparatus comprising:
a system, wherein the system includes at least one automated banking machine, wherein the at least one automated banking machine includes at least one cash dispenser, wherein the at least one automated banking machine is operative to receive at least one machine user input including; a secret code, data corresponding to a customer phone number, a request for a cash dispense transaction associated with a particular amount of cash, and a time-sensitive transaction security code being;
associated with the cash dispense transaction request,
different from the secret code,
server-generated,
server-sent using the customer phone number, and
automated banking machine-receivable within a predetermined time period to prevent cancellation of the cash dispense transaction;wherein the at least one automated banking machine is operative to cause the particular amount of cash to be dispensed through operation of the at least one cash dispenser, responsive at least in part to the transaction security code being received by the at least one automated banking machine from a machine user within the predetermined time period. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A method comprising:
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(a) carrying out automated banking machine-receiving of at least one user input including a secret code; (b) carrying out automated banking machine-receiving of at least one user input including data corresponding to a customer phone number; (c) carrying out automated banking machine-receiving of at least one user input including a request for a cash dispense transaction associated with a particular amount of cash; (d) subsequent to (a), (b), and (c), carrying out automated banking machine-receiving of at least one user input including a time-sensitive transaction security code being; associated with the cash dispense transaction request, different from the secret code, server-generated, server-sent using the customer phone number, and automated banking machine-receivable within a predetermined time period to prevent cancellation of the cash dispense transaction; and (e) carrying out automated banking machine-dispensing of the particular amount of cash through operation of at least one cash dispenser, responsive at least in part to the transaction security code being received in (d) within the predetermined time period. - View Dependent Claims (18, 19, 20)
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Specification