Banking system controlled responsive to data read from data bearing records
First Claim
1. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer cause the at least one computer to carry out a method comprising:
- (a) operating the at least one computer to cause at least one notification message to be sent to a personal mobile device of a customer having a customer account with a financial entity associated with the at least one computer,wherein the at least one notification message provides information that the customer account has been deactivated by the financial entity as a result of suspicious activity involving the customer account,wherein when the customer account is deactivated, the customer account has a non active status,wherein while the customer account has the non active status, the customer account remains open but transactions attempted therewith are prevented from being approved by the financial entity;
(b) subsequent to (a), operating the at least one computer to receive at least one reactivation message sent from the personal mobile device,wherein the at least one reactivation message includes a request that the customer account be reactivated,wherein the at least one reactivation message includes verification data usable to verify that the customer is a person authorized to reactivate the customer account,wherein the at least one reactivation message is independently received by the at least one computer without any intermediate assistance provided by a human service provider to either the customer or the at least one computer;
(c) automatically operating the at least one computer responsive at least in part to (b), to cause the customer account to be reactivated,wherein when the customer account is reactivated, the customer account has an active status,wherein while the customer account has the active status, transactions attempted therewith are allowed to be approved by the financial entity; and
(d) operating the at least one computer subsequent to (c) and while the customer account retains the active status, to allow at least one transaction attempted with the customer account to be approved by the financial entity.
5 Assignments
0 Petitions
Accused Products
Abstract
An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that operates to read data from user cards corresponding to financial accounts. A card account'"'"'s status is listed in a data store as either blocked or unblocked for use in approving transactions on the account. A requested transaction on an account cannot be carried out by the machine unless the account has an unblocked status. Read card data is sent from the machine to a remote card security computer which can determine the card account status from the data store. If the account is unblocked, then the machine can continue with the requested transaction and seek transaction approval from a transaction host computer associated with the machine.
24 Citations
20 Claims
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1. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer cause the at least one computer to carry out a method comprising:
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(a) operating the at least one computer to cause at least one notification message to be sent to a personal mobile device of a customer having a customer account with a financial entity associated with the at least one computer, wherein the at least one notification message provides information that the customer account has been deactivated by the financial entity as a result of suspicious activity involving the customer account, wherein when the customer account is deactivated, the customer account has a non active status, wherein while the customer account has the non active status, the customer account remains open but transactions attempted therewith are prevented from being approved by the financial entity; (b) subsequent to (a), operating the at least one computer to receive at least one reactivation message sent from the personal mobile device, wherein the at least one reactivation message includes a request that the customer account be reactivated, wherein the at least one reactivation message includes verification data usable to verify that the customer is a person authorized to reactivate the customer account, wherein the at least one reactivation message is independently received by the at least one computer without any intermediate assistance provided by a human service provider to either the customer or the at least one computer; (c) automatically operating the at least one computer responsive at least in part to (b), to cause the customer account to be reactivated, wherein when the customer account is reactivated, the customer account has an active status, wherein while the customer account has the active status, transactions attempted therewith are allowed to be approved by the financial entity; and (d) operating the at least one computer subsequent to (c) and while the customer account retains the active status, to allow at least one transaction attempted with the customer account to be approved by the financial entity. - View Dependent Claims (2, 3)
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4. At least one computer readable medium comprising non-transitory computer executable instructions that when executed by at least one computer cause the at least one computer to carry out a method comprising:
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(a) operating the at least one computer to receive at least one account reactivation request message sent from a personal mobile device of a customer having a financial account with a financial entity which is associated with the at least one computer, wherein the at least one account reactivation request message is independently received by the at least one computer both; without any intermediate human assistance provided to either the customer or the at least one computer, and while the account is deactivated as a result of suspicious activity involving the account, wherein the at least one account reactivation request message includes customer verification data usable to authorize reactivation of the account, wherein when deactivated, the account has a non active status, wherein while having the non active status, the account remains open but the at least one computer prevents transactions attempted on the account from being approved by the financial entity, wherein when reactivated, the account has an active status, wherein while having the active status, the account remains open and the at least one computer allows transactions attempted on the account to be approved by the financial entity; (b) operating the at least one computer responsive at least in part to the at least one account reactivation request message received in (a), to cause without any intermediate human assistance provided to either the customer or the at least one computer, the account to be reactivated; and (c) operating the at least one computer while the account has the active status caused in (b), to allow at least one transaction attempted on the account to be approved by the financial entity. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
at least one computer of a security system that provides customer account control availability, wherein the at least one computer includes computer executable instructions, wherein the instructions enable a customer, having a financial account with a financial entity associated with the security system, to selectively use a personal mobile device to cause,
without any intermediate human assistance provided to either the customer or the at least one computer,the at least one computer to deactivate and reactivate the account,
wherein the account when reactivated has an active status, wherein while having the active status;
the account remains open and the at least one computer allows transactions attempted on the account to be approved by the financial entity, and
the account is deactivatable by the at least one computer responsive at least in part to the at least one computer receiving an authorized deactivation message, including an authorized deactivation message resulting from suspicious activity involving the account,
wherein the account when deactivated has a non active status, wherein while having the non active status;
the account remains open but the at least one computer prevents transactions attempted on the account from being approved by the financial entity, and
the account is reactivatable by the at least one computer responsive at least in part to the at least one computer receiving an authorized reactivation message,wherein the instructions allow the customer to cause reactivation of the account, including when the account has a non active status as a result of suspicious activity involving the account, wherein the instructions allow the customer to cause both reactivation of the account generally immediately prior to a transaction and then deactivation of the account generally immediately after the transaction, wherein the at least one computer is operable to independently receive without any intermediate human assistance provided to either the customer or the at least one computer, an account reactivation request sent from the personal mobile device, wherein the account reactivation request includes customer verification data usable to identify the account reactivation request as an authorized reactivation message, wherein the at least one computer is configured to operate responsive at least in part to receiving the authorized reactivation message while the account has the non active status, to cause the account to be reactivated, wherein the at least one computer is operable to independently receive without any intermediate human assistance provided to either the customer or the at least one computer, an account deactivation request sent from the personal mobile device, wherein the account deactivation request includes customer verification data usable to identify the account deactivation request as an authorized deactivation message, wherein the at least one computer is configured to operate responsive at least in part to receiving the authorized deactivation message while the account has the active status, to cause the account to be deactivated. - View Dependent Claims (15, 16, 17, 18, 19, 20)
Specification