Banking system controlled responsive to data bearing records and user input of a phone received security code
First Claim
1. At least one article including computer executable instructions configured to cause at least one computer to carry out a method comprising:
- (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 includescustomer notification of the transaction, andthe 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 including 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.
5 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. At least one article including computer executable instructions configured to cause at least one computer to carry out 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 including 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 (2, 3, 4, 5)
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6. At least one article including computer executable instructions configured to cause at least one computer to carry out 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 (7, 8, 9, 10, 11)
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12. At least one article including computer executable instructions configured to cause at least one computer to carry out a method comprising:
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(a) receiving through operation of an automated banking machine, at least one user input including a secret code; (b) receiving through operation of an automated banking machine, at least one user input including data corresponding to a customer phone address; (c) receiving through operation of an automated banking machine, at least one user input including a request for a cash dispense associated with a particular amount of cash; (d) subsequent to (a), (b), and (c), receiving through operation of an automated banking machine, at least one user input including a cash dispense security code being; associated with the request, different from the secret code, user-received through use of the customer phone address, and time-sensitive, which requires the cash dispense security code to be received through operation of an automated banking machine before a predetermined time in order to allow the cash dispense to proceed; and (e) dispensing through operation of an automated banking machine, the particular amount of cash through operation of at least one cash dispenser, responsive at least in part to the cash dispense security code being received in (d) before the predetermined time. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification