Cash dispensing automated banking machine with GPS
First Claim
1. A method comprising:
- (a) receiving at a service provider system associated with at least one computer, communication data sent through a mobile phone by a customer of the service provider system during a customer session with the mobile phone,wherein the communication data includes a customer request for directions to the nearest automated banking machine that corresponds to automated banking machine configuration narrowing selections inputted to the mobile phone during the customer session,wherein the selections correspond to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope,wherein the communication data includes location data associated with location of the mobile phone,wherein the communication data includes account data corresponding to an account associated with the customer;
(b) operating the at least one computer to determine based at least in part on the account data received in (a), at least one financial system affiliated with automated banking machines that correspond to the selections;
(c) operating the at least one computer to determine based at least in part on the location data received in (a), a current location of the mobile phone;
(d) operating the at least one computer to determine based at least in part on the current location determined in (c) and the at least one financial system determined in (b), geographic location of the nearest automated banking machine that corresponds to the selections;
(e) operating the at least one computer to cause to be produced, directions which include a specified route from the current location determined in (c) to the geographic location determined in (d); and
(f) operating the at least one computer to cause the directions produced in (e) to be sent to the mobile phone.
18 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 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 cell phone'"'"'s GPS location. Directions to this nearest automated banking machine are then sent to the cell phone.
26 Citations
20 Claims
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1. A method comprising:
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(a) receiving at a service provider system associated with at least one computer, communication data sent through a mobile phone by a customer of the service provider system during a customer session with the mobile phone, wherein the communication data includes a customer request for directions to the nearest automated banking machine that corresponds to automated banking machine configuration narrowing selections inputted to the mobile phone during the customer session, wherein the selections correspond to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope, wherein the communication data includes location data associated with location of the mobile phone, wherein the communication data includes account data corresponding to an account associated with the customer; (b) operating the at least one computer to determine based at least in part on the account data received in (a), at least one financial system affiliated with automated banking machines that correspond to the selections; (c) operating the at least one computer to determine based at least in part on the location data received in (a), a current location of the mobile phone; (d) operating the at least one computer to determine based at least in part on the current location determined in (c) and the at least one financial system determined in (b), geographic location of the nearest automated banking machine that corresponds to the selections; (e) operating the at least one computer to cause to be produced, directions which include a specified route from the current location determined in (c) to the geographic location determined in (d); and (f) operating the at least one computer to cause the directions produced in (e) to be sent to the mobile phone. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. Apparatus comprising:
a service provider system, wherein the system is operative to receive during a customer session with a mobile phone, communication data sent through the mobile phone, wherein the communication data includes a customer request for directions to the nearest automated banking machine that corresponds to automated banking machine configuration narrowing selections inputted to the mobile phone during the customer session,
wherein the selections correspond to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope,location data corresponding to GPS location of the mobile phone, and account data corresponding to an account associated with the customer, wherein the system includes at least one computer, wherein the at least one computer is operative to access at least one data store, wherein the at least one computer is configured to determine responsive at least in part on receiving the account data, at least one financial system affiliated with automated banking machines that correspond to the selections, wherein the at least one computer is configured to determine responsive at least in part on receiving the location data, a current location of the mobile phone, wherein the at least one computer is configured to determine based at least in part on the determined current location of the mobile phone, and the at least one financial system determined, geographic location of the nearest automated banking machine that corresponds to the selections, wherein the at least one computer is configured to cause to be produced, directions which include a specified route from the determined current location of the mobile phone to the determined geographic location, and wherein the at least one computer is configured to cause the directions to be sent to the mobile phone. - View Dependent Claims (15, 16)
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17. A method comprising:
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(a) operating at least one computer associated with a service provider system to receive communication data sent through a mobile phone by a customer of the service provider system, wherein the communication data includes phone location data associated with location of the mobile phone, wherein the communication data includes account data corresponding to an account associated with the customer; wherein the communication data includes a customer request for directions to a nearest automated banking machine having a configuration type that corresponds to customer-inputted selections to the mobile phone, which selections narrowed automated banking machine configurations available to the customer, wherein the configuration type corresponds to an automated banking machine that allows the customer to carry out a fee-free check deposit transaction that involves deposit of a check sans a deposit envelope; (b) operating the at least one computer based at least in part on the phone location data received in (a), to determine a current phone location of the mobile phone; (c) operating the at least one computer to determine based at least in part on both the account data received in (a), and the current phone location determined in (b), the nearest automated banking machine having the configuration type; (d) operating the at least one computer to cause directions to be produced, wherein the directions include a specified route from the current phone location determined in (b) to the nearest automated banking machine determined in (c); and (e) operating the at least one computer to cause the directions produced in (d) to be sent to the mobile phone. - View Dependent Claims (18, 19, 20)
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Specification