Banking system controlled responsive to data bearing recordings and user input of a phone received security code
First Claim
1. Apparatus comprising:
- at least one server of a banking system,wherein the at least one server is associated with a plurality of automated banking machines,wherein each machine includes at least one cash dispenser and at least one data reader,wherein each machine is associated with at least one computer,wherein the at least one computer is operative to cause financial transfers responsive at least in part to user data read by the at least one data reader corresponding to an authorized machine user,wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed by the at least one cash dispenser,wherein each machine is operable to receive from a machine user, at least one user input includinga secret code,data corresponding to a customer phone number, anda request associated with a cash dispense transaction involving a particular amount of cash,wherein the at least one server is operative to receive from a respective machine responsive to the respective machine receiving the at least one user input, at least one message associated with the request, wherein the at least one message includes the data corresponding to the customer phone number and the particular amount,wherein the at least one server is operative to generate a transaction security code associated with the cash dispense transaction,wherein the transaction security code differs from the secret code,wherein the transaction security code is associated with the particular amount,wherein the transaction security code is associated with a predetermined time period,wherein the at least one server is operable to send a message to a customer via a mobile phone associated with the customer phone number, wherein the message includescustomer notification of the transaction, andthe transaction security code,wherein the transaction security code is usable by the customer to cause a cash value corresponding to the particular amount to be dispensed by any particular machine of the plurality of automated banking machines, responsive at least in part to customer input of the transaction security code to the particular machine within the predetermined time period.
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
25 Claims
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1. Apparatus comprising:
at least one server of a banking system, wherein the at least one server is associated with a plurality of automated banking machines, wherein each machine includes at least one cash dispenser and at least one data reader, wherein each machine is associated with at least one computer, wherein the at least one computer is operative to cause financial transfers responsive at least in part to user data read by the at least one data reader corresponding to an authorized machine user, wherein the at least one computer is operative to cause a financial account to be assessed a value associated with cash dispensed by the at least one cash dispenser, wherein each machine is operable 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 associated with a cash dispense transaction involving a particular amount of cash, wherein the at least one server is operative to receive from a respective machine responsive to the respective machine receiving the at least one user input, at least one message associated with the request, wherein the at least one message includes the data corresponding to the customer phone number and the particular amount, wherein the at least one server is operative to generate a transaction security code associated with the cash dispense transaction, wherein the transaction security code differs from the secret code, wherein the transaction security code is associated with the particular amount, wherein the transaction security code is associated with a predetermined time period, wherein the at least one server is operable to send a message to a customer via a mobile phone associated with the customer phone number, wherein the message includes customer notification of the transaction, and the transaction security code, wherein the transaction security code is usable by the customer to cause a cash value corresponding to the particular amount to be dispensed by any particular machine of the plurality of automated banking machines, responsive at least in part to customer input of the transaction security code to the particular machine within the predetermined time period. - View Dependent Claims (2, 3)
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4. Apparatus comprising:
at least one server, wherein the at least one server is associated with at least one automated banking machine of a banking system, wherein the at least one server is operable to receive a customer request for automated banking machine-dispensing of a particular amount of cash, wherein the request includes data corresponding to contact information for a customer mobile phone; wherein the at least one server is operable to then correspond the request to a security code that is associated with a predetermined period of usability, wherein the at least one server is operable to then use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes notification of the request, and the security code, wherein the at least one server is operable to then receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser, wherein the at least one server is operable to then allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving the data corresponding to the security code within the predetermined period of usability. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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(a) operating at least one server to receive a customer request for automated banking machine-dispensing of a particular amount of cash, wherein the at least one server is associated with at least one automated banking machine of a banking system, wherein the request includes data corresponding to contact information for a customer mobile phone; (b) subsequent to (a), operating the at least one server to correspond the request to a security code that is associated with a predetermined period of usability; (c) subsequent to (b), operating the at least one server to use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes notification of the request, and the security code; (d) subsequent to (c), operating the at least one server to receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser; and (e) operating the at least one server to allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving in (d) the data corresponding to the security code within the predetermined period of usability. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one server cause the at least one server to carry out a method comprising:
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(a) operating the at least one server to receive a customer request for automated banking machine-dispensing of a particular amount of cash, wherein the at least one server is associated with at least one automated banking machine of a banking system, wherein the request includes data corresponding to contact information for a customer mobile phone; (b) subsequent to (a), operating the at least one server to correspond the request to a security code that is associated with a predetermined period of usability; (c) subsequent to (b), operating the at least one server to use the data corresponding to the contact information to cause to be sent to the customer mobile phone, a message that includes notification of the request, and the security code; (d) subsequent to (c), operating the at least one server to receive data corresponding to the security code responsive at least in part to user input of the security code to a respective machine of the at least one automated banking machine, wherein the respective machine includes at least one cash dispenser; and (e) operating the at least one server to allow the respective machine to dispense the particular amount of cash, responsive at least in part to the at least one server receiving in (d) the data corresponding to the security code within the predetermined period of usability. - View Dependent Claims (22, 23, 24, 25)
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Specification