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Automated banking machine with noncontact reading of card data

  • US 9,033,221 B1
  • Filed: 02/18/2013
  • Issued: 05/19/2015
  • Est. Priority Date: 03/31/2004
  • Status: Active Grant
First Claim
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1. A method comprising:

  • (a) operating at least one processor associated with an automated banking machine to receive from a customer through customer input to the machine, a request to carry out a transaction on a customer account through operation of the machine,wherein the machine includes a cash dispenser, at least one data reader, and at least one display device,wherein the at least one data reader is operable to read financial account data,wherein the transaction involves operation of the cash dispenser,wherein the transaction does not require operation of the at least one data reader,wherein the transaction does not require customer input to the machine of financial account data that includes an account number of the customer account,wherein the at least one processor is operable to communicate with a remotely located at least one server,wherein the at least one processor is operable to communicate with a transaction host,wherein the transaction host does not include the at least one server;

    (b) operating the at least one processor to send to the at least one server, a message indicative of the request received in (a);

    (c) operating the at least one processor to receive an identifier from the at least one server;

    (d) operating the at least one processor to cause the machine to output at least one code through the at least one display device, wherein the at least one code corresponds to the identifier received in (c);

    (e) operating the at least one processor to receive an account number from the at least one server; and

    (f) operating the at least one processor to send a transaction approval request to the transaction host,wherein the transaction approval request includes the account number received in (e).

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