Cash dispensing automated banking machine with GPS
First Claim
1. Apparatus comprising:
- at least one computer associated with a service provider system,wherein the at least one computer is operable 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 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 corresponds to an automated banking machine that allows the user to obtain cash 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,wherein the at least one computer is operable to determine, based at least in part on the location data received, a current location of the mobile communication device,wherein the at least one computer is further operable to determine, based at least in part on both the account data received and the current location determined, the nearest automated banking machine having the configuration,wherein the at least one computer is further operable to cause to be produced, directions from the current location determined to the nearest automated banking machine determined, and
wherein the at least one computer is operable to cause the directions to be sent to the mobile communication device.
19 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 card-reading 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 phone'"'"'s GPS location. Directions to this nearest automated banking machine are then sent to the phone.
21 Citations
23 Claims
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1. Apparatus comprising:
at least one computer associated with a service provider system, wherein the at least one computer is operable 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 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 corresponds to an automated banking machine that allows the user to obtain cash 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, wherein the at least one computer is operable to determine, based at least in part on the location data received, a current location of the mobile communication device, wherein the at least one computer is further operable to determine, based at least in part on both the account data received and the current location determined, the nearest automated banking machine having the configuration, wherein the at least one computer is further operable to cause to be produced, directions from the current location determined to the nearest automated banking machine determined, and
wherein the at least one computer is operable to cause the directions to be sent to the mobile communication device.- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. Apparatus comprising:
at least one computer associated with a service provider system, wherein the at least one computer is operable 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 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 corresponds to an automated banking machine that allows the user to obtain cash from a cash dispenser of the machine in exchange for the machine receiving from the user, data representative of a cash value, wherein the at least one computer is operable to determine, based at least in part on the location data received, a current location of the mobile communication device, wherein the at least one computer is further operable to determine, based at least in part on both the account data received and the current location determined, the nearest automated banking machine having the configuration, wherein the at least one computer is further operable to cause to be produced, directions from the current location determined to the nearest automated banking machine determined, and
wherein the at least one computer is operable to cause the directions to be sent to the mobile communication device.- View Dependent Claims (12, 13, 14, 15, 16)
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17. Apparatus comprising:
a mobile communication device, wherein the mobile communication device is operable 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 corresponds to an automated banking machine that allows the user to obtain cash from a cash dispenser of the machine in exchange for the machine receiving from the user, data representative of a cash value, wherein the mobile communication device is operable to receive location data that corresponds to the request sent, wherein the mobile communication device is programmed to determine, based at least in part on the location data received, the automated banking machine located nearest to the mobile communication device that has the machine configuration, and
wherein the mobile communication device is programmed to produce, based at least in part on location of the automated banking machine determined, travel directions from current location of the mobile communication device to the location of the automated banking machine determined.- View Dependent Claims (18, 19, 20)
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21. Apparatus comprising:
at least one computer associated with a service provider system, wherein the at least one computer is operable to receive communication data sent by a user of the service provider system, through a mobile communication device that is configured to display through a display screen, based at least in part on receiving machine location data corresponding to a particular automated banking machine, directions from a current location of the mobile communication device to the particular automated banking machine, wherein the communication data includes device location data corresponding to a 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 machine location data corresponding to a nearest automated banking machine relative to the mobile communication device, which includes a cash dispenser and which allows the user to obtain cash from the cash dispenser in exchange for the user providing data that at least includes data representative of a cash value, wherein the at least one computer is configured to determine, based at least in part on the device location data received, a current location of the mobile communication device, wherein the at least one computer is configured to determine, based at least in part on both the account data received and the current location determined, nearest machine location data corresponding to location of the nearest automated banking machine having the configuration, wherein the at least one computer is configured to send the nearest machine location data to the mobile communication device,
wherein sending of the nearest machine location data by the at least one computer to the mobile communication device enables the mobile communication device to display directions from a current location of the mobile communication device to the location of the nearest automated banking machine.- View Dependent Claims (22, 23)
Specification