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Banking system controlled responsive to data bearing records

  • US 8,479,978 B1
  • Filed: 06/22/2010
  • Issued: 07/09/2013
  • Est. Priority Date: 04/17/1998
  • Status: Expired due to Fees
First Claim
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1. Apparatus comprising:

  • an automated banking machine, wherein the machine is part of a banking system that is operative to cause financial transfers responsive at least in part to data read from customer cards, including a customer card of a customer having a customer account with a financial entity,wherein the automated banking machine includes a card reader,wherein the card reader is operative to read customer account data corresponding to the customer account from the customer card, wherein the customer account data is useable in determining whether the customer account is available to conduct a transaction thereon,wherein the automated banking machine includes a cash dispenser,wherein the cash dispenser is operative to cause cash stored in the machine to be dispensed from the machine,at least one data store,wherein the at least one data store includes status information on each of a plurality of currently open accounts, including the customer account,wherein for each respective account, the status information indicates a status of the respective account with respect to whether the respective account is currently available to conduct at least one transaction thereon,wherein the status information for the customer account is indicative of;



    an available status, wherein the customer account is open and is available to conduct transactions thereon, or 

    an unavailable status, wherein the customer account is open but is prevented from being used to conduct transactions thereon,a cell phone of the customer,at least one computer associated with the financial entity,wherein the at least one computer is in operative connection with the at least one data store,wherein the at least one computer is operative to determine from the at least one data store the status of each respective account,wherein the at least one computer is operative to modify status information in the at least one data store,wherein the at least one computer is operative to receive in response to customer input provided to the cell phone outside of performing a transaction with the cell phone, a block account request to have the status information for the customer account be changed to indicate the unavailable status,wherein the at least one computer is programmed to automatically operate without intermediate human assistance to either the customer or the at least one computer, to immediately cause information in the at least one data store to be changed to have the status information for the customer account indicate the unavailable status, in response to receiving the block account request,wherein the at least one computer is operative to receive in response to customer input provided to the cell phone outside of performing a transaction with the cell phone, an unblock account request to have the status information for the customer account be changed to indicate the available status,wherein the at least one computer is programmed to automatically operate without intermediate human assistance to either the customer or the at least one computer, to immediately cause information in the at least one data store to be changed to have the status information for the customer account indicate the available status, in response to receiving the unblock account request,wherein the at least one computer is operative to communicate with a plurality of remote transaction computers, including the automated banking machine,wherein the at least one computer is programmed to confirm to a respective remote transaction computer while the status information for the customer account indicates the available status, customer account availability to conduct at least one transaction thereon,wherein the at least one computer is programmed to deny to a respective remote transaction computer while the status information for the customer account indicates the unavailable status, customer account availability to conduct at least one transaction thereon,wherein the at least one computer is operative to receive from the automated banking machine, a computer request to confirm whether the customer account corresponding to the customer account data read by the card reader is available to conduct at least one transaction thereon,wherein responsive at least in part to the computer request, the at least one computer is programmed to operate to determine from the at least one data store whether the customer account is available to conduct at least one transaction thereon, 

    wherein the at least one computer is operative responsive at least in part to determining that the status information for the customer account indicates the available status, to inform the automated banking machine that the customer account is available to conduct at least one transaction thereon, 

    wherein the automated banking machine is configured to operate to cause a transaction on the customer account to be allowed, responsive at least in part to being informed that the customer account is available to conduct at least one transaction thereon, 

    wherein the at least one computer is operative responsive at least in part to determining that the status information for the customer account indicates the unavailable status, to inform the automated banking machine that the customer account is unavailable to conduct at least one transaction on the customer account, 

    wherein the automated banking machine is configured to operate to cause a denial of a transaction on the customer account, responsive at least in part to being informed that the customer account is unavailable to conduct at least one transaction thereon.

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