Card activated cash dispensing automated banking machine system and method
First Claim
1. At least one article including computer executable instructions configured to cause at least one computer associated with an automated banking machine operative to cause financial transfers, to carry out a method comprising:
- (a) operating the at least one computer to cause the machine to make an interface application available to mobile phones of machine customers,wherein the machine includes at least one reader,wherein the at least one reader is operative to read customer data usable to identify a financial account,wherein the machine includes a cash dispenser operative to dispense cash from the machine,wherein the machine includes at least one wireless network port,wherein the at least one computer is configured to cause the machine to make the interface application available through the at least one wireless network port,wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon,wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user,wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information,wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,
wherein the plurality of selectable transactions include a cash withdrawal transaction,wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash,wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each ofthe financial account information,the selection of a cash withdrawal transaction, andthe requested amount of cash;
(b) operating the at least one computer to cause the at least one reader to readfinancial account information, a cash withdrawal transaction selection, and a requested amount of cash,communicated from phone responsive to user input to the interface application; and
(c) operating the at least one computer to cause the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive to the reading in (b).
3 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions.
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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 associated with an automated banking machine operative to cause financial transfers, to carry out a method comprising:
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(a) operating the at least one computer to cause the machine to make an interface application available to mobile phones of machine customers, wherein the machine includes at least one reader, wherein the at least one reader is operative to read customer data usable to identify a financial account, wherein the machine includes a cash dispenser operative to dispense cash from the machine, wherein the machine includes at least one wireless network port, wherein the at least one computer is configured to cause the machine to make the interface application available through the at least one wireless network port, wherein the interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the interface application thereon, wherein the interface application causes the at least one reader to read information wirelessly communicated from the mobile phone, responsive at least in part to user input provided to at least one of the interface display screens by a phone user, wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, financial account information, wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a selection from a plurality of selectable machine transactions,
wherein the plurality of selectable transactions include a cash withdrawal transaction,wherein the interface display screens allow the phone user to wirelessly communicate to the at least one reader, a requested amount of cash, wherein the interface application causes the machine to operate the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive at least in part to phone user input to the at least one interface display screen of each of the financial account information, the selection of a cash withdrawal transaction, and the requested amount of cash; (b) operating the at least one computer to cause the at least one reader to read financial account information, a cash withdrawal transaction selection, and a requested amount of cash, communicated from phone responsive to user input to the interface application; and (c) operating the at least one computer to cause the cash dispenser to dispense cash corresponding to the requested amount of cash, responsive to the reading in (b). - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. At least one article including computer executable instructions configured to cause at least one computer associated with an automated banking machine including at least one reader, a cash dispenser, and at least one wireless network port, to carry out a method comprising:
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(a) operating the at least one computer to cause the at least one reader to wirelessly receive financial account information from a mobile phone of a machine user during a user session with the machine, responsive to financial account information provided through user input to at least one of a plurality of interface display screens available through an automated banking machine user interface application on the mobile phone, wherein the at least one computer is operable to cause the machine to make the user interface application available to mobile phones through the at least one wireless network port; (b) operating the at least one computer to cause the at least one reader to wirelessly receive a user request for a cash withdrawal transaction from the mobile phone, responsive to transaction selection provided through user input to at least one of the plurality of interface display screens; (c) operating the at least one computer to cause the at least one reader to wirelessly receive a cash withdrawal amount from the mobile phone, responsive to a cash amount provided through user input to at least one of the plurality of interface display screens; and (d) operating the at least one computer to cause the cash dispenser to dispense a value of cash associated with the cash amount, responsive to (a), (b), and (c). - View Dependent Claims (9, 10, 11)
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12. At least one article including computer executable instructions configured to cause at least one computer associated with an automated transaction machine, to carry out a method comprising:
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(a) operating the at least one computer to cause the at least one reader of the automated transaction machine to wirelessly receive financial account information from a mobile phone of a machine user during a user session with the machine, responsive at least in part to financial account information provided through user input to at least one of a plurality of interface display screens available through an automated transaction machine user interface application on the mobile phone, wherein the machine includes at least one wireless network port which allows the machine to wirelessly communicate with mobile phones of machine customers, wherein the at least one computer is operable to cause the machine to make the user interface application available through the at least one wireless network port to mobile phones, wherein the user interface application allows a plurality of interface display screens to be respectively viewed through a display of a mobile phone having the user interface application thereon, wherein the plurality of interface display screens include each of at least one financial account information input screen, which allows the phone user to wirelessly communicate financial account information to the at least one reader, at least one transaction selection input screen, which allows the phone user to wirelessly communicate a transaction selection to the at least one reader, at least one transaction amount input screen, which allows the phone user to wirelessly communicate to the at least one reader, an amount associated with a transaction selection, wherein the at least one computer is operable to cause the at least one reader to wirelessly receive the financial account information responsive at least in part to phone user input to the at least one financial account information input screen; (b) operating the at least one computer to cause the at least one reader to wirelessly receive a transaction selection from the mobile phone, responsive at least in part to phone user input to the at least one transaction selection input screen; (c) operating the at least one computer to cause the at least one reader to wirelessly receive an amount associated with the transaction selection received in (b) from the mobile phone, responsive at least in part to phone user input to the at least one transaction amount input screen; and (d) subsequent to (a)-(c), operating the at least one computer to cause the machine to carry out with an account corresponding to the financial account information received in (a), a transaction corresponding to the transaction selection received in (b), involving the amount received in (c). - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification