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Processing automated banking transactions requiring approval

  • US 9,355,530 B1
  • Filed: 03/11/2013
  • Issued: 05/31/2016
  • Est. Priority Date: 03/18/2002
  • Status: Active Grant
First Claim
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1. An apparatus comprising:

  • an automated banking machine configured to operate responsive at least in part to data read from data bearing records to cause financial transfers, wherein the machine includes;

    a card reader, wherein the card reader is configured to read data from user cards, wherein the data corresponds to financial accounts,a display,at least one input device, wherein the at least one input device is configured to receive user inputs corresponding to amounts,a cash dispenser,at least one machine computer associated with the machine, wherein the at least one machine computer is in operative connection with the card reader, the display, the at least one input device and the cash dispenser,wherein the at least one machine computer is configured to causea determination to be made that card data read through operation of the card reader corresponds to a financial account on which a transaction is authorized to be conducted through operation of the machine,responsive at least in part to the determination, 

    to cause the financial account to be assessed an amount corresponding to a transaction amount input through the at least one input device, and 

    to cause the cash dispenser to dispense a cash amount corresponding to the transaction amount,wherein responsive at least in part to the transaction amount being below a threshold, the at least one machine computer is configured to cause the cash dispenser to dispense the cash amount responsive at least in part to a first transaction authorization computer remote from the automated banking machine,wherein responsive at least in part to the transaction amount being at least as great as the threshold, the at least one machine computer is configured to cause the cash dispenser to dispense at least a portion of the cash amount responsive at least in part to a second transaction authorization computer remote from the automated banking machine and different from the first transaction authorization computer, andwherein the at least one machine computer is configure responsive at least in part to the transaction amount being at least as great as the threshold, to cause;



    a first portion of the cash amount to be dispensed responsive at least in part to the first transaction authorization computer, and 

    a second portion of the cash amount to be dispensed responsive at least in part to the second transaction authorization computer.

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