Cash dispensing automated banking machine with GPS
First Claim
1. A method comprising:
- (a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile communication device by a user of the service provider system,wherein the communication data includes location data associated with location of the mobile communication device,wherein the communication data includes account data corresponding to an account associated with the user,wherein the communication data includes a user request for directions to a nearest automated banking machine having a configuration type that corresponds to user-inputted selections to the mobile communication device, which selections narrowed automated banking machine configurations available to the user,wherein the configuration type corresponds to an automated banking machine that allows the user to carry out a check cashing transaction that involves deposit of a check sans a deposit envelope;
(b) operating the at least one computer based at least in part on the location data received in (a), to determine a current location of the mobile communication device;
(c) operating the at least one computer to determinebased at least in part on boththe account data received in (a), andthe current location determined in (b),the nearest automated banking machine having the configuration type;
(d) operating the at least one computer to cause to be produced, directions from the current location determined in (b) to the nearest automated banking machine determined in (c); and
(e) operating the at least one computer to cause the directions produced in (d) to be sent to the mobile communication device.
18 Assignments
0 Petitions
Accused Products
Abstract
Automated banking machines include a Global Positioning System (GPS). The machines can transmit their GPS location reading to a service center. The service center can receive through a customer'"'"'s cell phone, a customer request for directions to the nearest cash dispensing machine that does not have a transaction fee. The customer request can include account data and GPS location of the cell phone. The service center can determine from the account data which financial networks would not cause the customer to be assessed a transaction fee for a cash withdrawal. The service center can then determine from the GPS locations of the machines in these financial networks, which machine is geographically closest to the cell phone'"'"'s GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.
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Citations
22 Claims
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1. A method comprising:
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(a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile communication device by a user of the service provider system, wherein the communication data includes location data associated with location of the mobile communication device, wherein the communication data includes account data corresponding to an account associated with the user, wherein the communication data includes a user request for directions to a nearest automated banking machine having a configuration type that corresponds to user-inputted selections to the mobile communication device, which selections narrowed automated banking machine configurations available to the user, wherein the configuration type corresponds to an automated banking machine that allows the user to carry out a check cashing transaction that involves deposit of a check sans a deposit envelope; (b) operating the at least one computer based at least in part on the location data received in (a), to determine a current location of the mobile communication device; (c) operating the at least one computer to determine based at least in part on both the account data received in (a), and the current location determined in (b), the nearest automated banking machine having the configuration type; (d) operating the at least one computer to cause to be produced, directions from the current location determined in (b) to the nearest automated banking machine determined in (c); and (e) operating the at least one computer to cause the directions produced in (d) to be sent to the mobile communication device. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising:
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(a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile communication device by a user of the service provider system, wherein the communication data includes location data associated with location of the mobile communication device, wherein the communication data includes account data corresponding to an account associated with the user, wherein the communication data includes a user request for directions to a nearest automated banking machine having a configuration type that corresponds to user-inputted selections to the mobile communication device, which selections narrowed automated banking machine configurations available to the user, wherein the configuration type corresponds to an automated banking machine that allows the user to obtain cash dispensed from a cash dispenser of the machine in exchange for transfer of at least one thing having cash value from possession of the user to possession of the machine; (b) operating the at least one computer based at least in part on the location data received in (a), to determine a current location of the mobile communication device; (c) operating the at least one computer to determine based at least in part on both the account data received in (a), and the current location determined in (b), the nearest automated banking machine having the configuration type; (d) operating the at least one computer to cause to be produced, directions from the current location determined in (b) to the nearest automated banking machine determined in (c); and (e) operating the at least one computer to cause the directions produced in (d) to be sent to the mobile communication device. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method comprising:
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(a) operating a mobile communication device to send to a service provider system, a request from a user of the service provider system, wherein the request is for location data that corresponds to at least one location of an automated banking machine which has a machine configuration that corresponds to at least one user-inputted machine configuration selection provided to the mobile communication device, wherein the machine configuration comprises an automated banking machine that allows the user to carry out a check cashing transaction, (b) operating the mobile communication device to receive location data that corresponds to the request sent in (a); (c) operating the mobile communication device to determine based at least in part on the location data received in (b), the automated banking machine located nearest to the mobile communication device that has the machine configuration; and (d) operating the mobile communication device to produce travel directions from the current location of the mobile communication device to the location of the automated banking machine determined in (c). - View Dependent Claims (18, 19, 20)
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21. A method comprising:
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(a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile phone by a user of the service provider system, wherein the communication data includes location data associated with location of the mobile phone, wherein the communication data includes account data corresponding to an account associated with the user, wherein the communication data includes a user request for directions to a nearest automated banking machine having a configuration type that corresponds to user-inputted selections to the mobile phone, which selections narrowed automated banking machine configurations available to the user, wherein the configuration type corresponds to an automated banking machine that allows the user to obtain cash dispensed from a cash dispenser of the machine in exchange for the machine receiving from the user, data representative of a cash value; (b) operating the at least one computer based at least in part on the location data received in (a), to determine a current location of the mobile phone; (c) operating the at least one computer to determine based at least in part on both the account data received in (a), and the current location determined in (b), the nearest automated banking machine having the configuration type; (d) operating the at least one computer to cause to be produced, data corresponding to directions from the current location determined in (b) to the nearest automated banking machine determined in (c); and (e) operating the at least one computer to cause the data corresponding to directions produced in (d) to be sent to the mobile phone. - View Dependent Claims (22)
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Specification